The Best Mortgage Lenders in Sybertsville, PA
Compare verified mortgage lenders serving Sybertsville, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Sybertsville
Featured Mortgage Lenders
Penn Community Bank Mortgage Team
Penn Community Bank
Penn Community Bank has been serving Northeastern Pennsylvania communities including the Sybertsville area for over 140 years. As a locally-based financial institution with deep roots in Luzerne County, they offer personalized mortgage services with competitive rates and local underwriting decisions. Their mortgage team receives exceptional ratings for their knowledgeable guidance through the entire home financing process, from pre-approval to closing. Customers consistently praise their responsive communication, transparent fee structure, and ability to close loans efficiently while providing genuine local expertise about the Sybertsville and greater Hazleton area housing market.
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Newtown Savings Bank Mortgage Division
Newtown Savings Bank
While based in Bucks County, Newtown Savings Bank has expanded its mortgage services throughout Eastern Pennsylvania, including the Sybertsville region. With over 150 years of banking experience, they've built a strong reputation for competitive mortgage rates and exceptional customer service. Their mortgage specialists are praised for taking time to educate borrowers, explaining complex terms in plain language, and providing multiple loan options tailored to individual financial situations. The bank consistently receives high marks for their streamlined application process, quick response times, and commitment to helping borrowers find the right mortgage product for their needs in the Sybertsville area.
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Fulton Mortgage Company
Fulton Bank, N.A.
Fulton Mortgage Company, the lending division of Fulton Bank, has been serving Pennsylvania communities for over 140 years and maintains a strong presence throughout the state, including the Sybertsville area. As one of Pennsylvania's largest banking institutions, they offer comprehensive mortgage solutions with the advantage of local decision-making combined with the resources of a regional bank. Their mortgage consultants receive excellent reviews for their professionalism, attention to detail, and ability to navigate complex financing scenarios. Customers particularly appreciate their straightforward approach, competitive rates, and the seamless coordination between their mortgage and banking services for Sybertsville area homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Sybertsville, PA
Are there any local or county-specific first-time homebuyer programs available in Sybertsville, PA?
Yes, homebuyers in Sybertsville can access the Luzerne County HOME Consortium's First-Time Homebuyer Program. This program offers down payment and closing cost assistance in the form of a deferred, forgivable loan. Eligibility is based on income and the purchase price of the home, and it must be your primary residence within Luzerne County.
How do property taxes in Luzerne County impact my mortgage payments in Sybertsville?
Luzerne County property taxes are a significant component of your monthly mortgage escrow payment. The county's millage rate, combined with local borough and school district taxes (Crestwood School District), determines your total bill. It's crucial to get an accurate tax estimate during pre-approval, as these taxes can add several hundred dollars to your monthly payment.
What are typical down payment requirements for homes in Sybertsville's market?
While 20% down is standard to avoid private mortgage insurance (PMI), many local lenders in the Hazleton area offer conventional loans with as little as 3-5% down for qualified buyers. Given Sybertsville's relatively affordable home prices compared to larger metros, a lower down payment can be a viable strategy to enter the market sooner.
Does Sybertsville's location in a flood zone affect my mortgage process?
Properties near Nescopeck Creek or other waterways may be in a FEMA-designated flood zone. If so, your lender will require you to purchase flood insurance as a condition of the mortgage, which will be included in your monthly escrow payment. Always check the official FEMA Flood Map or have the seller disclose the flood zone status early in the process.
Are USDA Rural Development loans available for homes in Sybertsville, PA?
Yes, Sybertsville is eligible for USDA Rural Development loans, which offer 100% financing (no down payment) to moderate-income buyers. This is a significant advantage for the area, as it allows qualified individuals and families to purchase a home with no money down, making homeownership more accessible in this community.
Nearby Cities
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Why Choose a Mortgage Lender in Sybertsville?
Local Market Knowledge
Lenders who understand Sybertsville's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Pennsylvania.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Sybertsville and get competitive rates on your home loan.