The Best Mortgage Lenders in Washingtonville, PA
Compare verified mortgage lenders serving Washingtonville, Pennsylvania. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Washingtonville
Featured Mortgage Lenders
Mortgage Department
Horizon Federal Credit Union
Horizon Federal Credit Union stands out as one of the most highly-rated mortgage lenders serving the Washingtonville area, with an exceptional 4.8 rating from 125 reviews. As a longstanding financial institution with 85 years of service to Central Pennsylvania communities, they offer personalized mortgage solutions with competitive rates. Their mortgage specialists provide comprehensive guidance through first-time homebuyer programs, construction loans, and various refinance options. Members consistently praise their responsive service, local decision-making, and commitment to finding the right mortgage product for each borrower's unique situation.
Loan Types:
Mortgage Center
Fulton Bank
Fulton Bank brings over 140 years of banking expertise to the Washingtonville market with a strong 4.6 rating from 189 reviews. As a well-established regional bank with multiple branches throughout Central Pennsylvania, they offer comprehensive mortgage services with local loan officers who understand the area's real estate market. Their mortgage team provides personalized attention throughout the entire home financing process, from application to closing. Customers frequently highlight their competitive rates, transparent communication, and efficient processing, making them a trusted choice for home purchases and refinancing in the region.
Loan Types:
NVR Mortgage
NVR Mortgage
NVR Mortgage maintains a strong 4.4 rating from 327 reviews and has been serving Pennsylvania homeowners for over 70 years. While operating statewide, they have extensive experience serving rural and suburban communities like Washingtonville through their network of local mortgage consultants. They offer a wide range of loan products with competitive pricing and streamlined digital processes. Borrowers consistently praise their efficient application process, knowledgeable loan officers, and ability to close loans quickly. Their long track record and substantial review count demonstrate reliable service and customer satisfaction across Pennsylvania.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Washingtonville, PA
Are there any special mortgage programs for first-time homebuyers in Washingtonville, PA?
Yes, Pennsylvania offers the Keystone Home Loan Program through the Pennsylvania Housing Finance Agency (PHFA), which is accessible to buyers in Washingtonville. This program provides competitive fixed-rate mortgages, down payment and closing cost assistance, and is particularly beneficial for those with moderate incomes. Working with a PHFA-approved lender in the area is the first step to accessing these advantageous terms.
How do property taxes in Montour County affect my mortgage payment in Washingtonville?
Montour County, where Washingtonville is located, has property tax rates that are generally moderate compared to more urban parts of Pennsylvania. Your lender will calculate an escrow payment as part of your monthly mortgage to cover these annual taxes. It's wise to review the specific millage rates for Washingtonville Borough and the Central Columbia School District, as they directly impact your total monthly housing cost.
What is the typical down payment needed for a home in Washingtonville's market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Washingtonville utilize conventional loans with 3-5% down or FHA loans with 3.5% down, especially for the area's more affordable single-family homes and historic properties. The specific amount can depend on the loan program and your credit profile, but local lenders are familiar with structuring loans for the typical price points in this market.
Are USDA rural housing loans available for properties in Washingtonville, PA?
Yes, Washingtonville's location qualifies it for USDA Rural Development loans, which offer 100% financing (no down payment) for eligible borrowers and properties. This can be a significant advantage given the area's semi-rural character. You should confirm a specific property's eligibility using the USDA website and work with a lender experienced in this program to navigate its income and property requirements.
How does the appraisal process work for a historic or older home in Washingtonville?
Appraising older or historic homes in Washingtonville requires an appraiser with specific experience in valuing unique properties and understanding local market comparables. The appraisal will closely examine the home's condition, systems (like plumbing and electrical), and any needed repairs, which can affect the loan amount. It's crucial to choose a lender familiar with the Central PA market who can assign a qualified appraiser.
Nearby Cities
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Why Choose a Mortgage Lender in Washingtonville?
Local Market Knowledge
Lenders who understand Washingtonville'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 Washingtonville and get competitive rates on your home loan.