Pennsylvania Mortgage Services
Expert mortgage broker serving Philadelphia and the surrounding suburban counties. From historic city neighborhoods to Main Line estates and Bucks County charm — all loan programs available including FHA, VA, Jumbo, and 203(k) Renovation loans. Local expertise, competitive rates, and fast pre-approvals across Pennsylvania.
Browse by County
Explore mortgage services across Pennsylvania's premier counties — from Philadelphia's urban core to the Main Line, Bucks County, and Chester County countryside.
Philadelphia County
Philadelphia municipalities
Pennsylvania's largest city with diverse neighborhoods, rich history, world-class healthcare, and a booming tech scene. From Center City condos to Chestnut Hill estates.
Median Price Range: $200K - $1M+
Montgomery County
40+ municipalities
Affluent suburban county with top-rated schools, corporate headquarters, and charming Main Line communities. King of Prussia, Conshohocken, and Lansdale.
Median Price Range: $350K - $1.5M+
Bucks County
50+ municipalities
Scenic communities along the Delaware River with historic towns, excellent schools, and easy access to Philadelphia and NYC.
Median Price Range: $325K - $1.2M+
Delaware County
49 municipalities
Close-in suburbs with diverse communities, strong school districts, and convenient Philadelphia access. Media, Swarthmore, and Radnor.
Median Price Range: $250K - $900K+
Chester County
70+ municipalities
One of the wealthiest counties in PA with rolling countryside, horse farms, top schools, and thriving towns like West Chester and Downingtown.
Median Price Range: $400K - $2M+
Popular Pennsylvania Markets
Explore mortgage services in Pennsylvania's most sought-after communities, from Philadelphia neighborhoods to Main Line towns and Bucks County boroughs.
Philadelphia
Philadelphia County
Median: $275K
King of Prussia
Montgomery County
Median: $475K
Doylestown
Bucks County
Median: $525K
Media
Delaware County
Median: $400K
West Chester
Chester County
Median: $450K
Ardmore
Montgomery County
Median: $550K
Bryn Mawr
Montgomery County
Median: $750K
Conshohocken
Montgomery County
Median: $475K
Jenkintown
Montgomery County
Median: $375K
Wayne
Delaware County
Median: $650K
Narberth
Montgomery County
Median: $450K
Lansdale
Montgomery County
Median: $400K
All Loan Programs Available in Pennsylvania
From first-time homebuyers in Philadelphia to Main Line luxury estate purchases, we offer 14 loan programs to match every budget and scenario across Pennsylvania.
Why Buy a Home in Pennsylvania?
Pennsylvania offers an outstanding combination of affordability, history, strong job markets, and quality of life that make it one of the best places to buy a home in the Northeast. Here's why homebuyers choose the Keystone State:
Affordable vs NYC/NJ
Pennsylvania offers significantly lower home prices and property taxes compared to New York City and New Jersey. The median home price in the Philadelphia suburbs is 30-40% lower than comparable Bergen County, NJ communities. Property taxes average 1.5-2.2% vs. New Jersey's 2.4%+ statewide average. Your dollar stretches further in PA — more space, newer construction, and larger lots at lower price points.
No Sales Tax on Groceries
Pennsylvania charges no sales tax on groceries, clothing, or most food items — a meaningful everyday savings for families. When combined with lower home prices and property taxes, PA offers a significantly lower overall cost of living than neighboring NJ and NY. These savings add up to thousands of dollars annually, giving families more financial breathing room for their mortgage and savings goals.
Rich History
Pennsylvania is the birthplace of American democracy. Philadelphia's Independence Hall, the Liberty Bell, and Valley Forge are just the beginning. The state's rich history translates into stunning architecture — from colonial-era stone farmhouses in Chester County to Victorian Main Line mansions and Bucks County's charming river towns. Living in PA means owning a piece of American heritage while enjoying modern amenities.
Strong Job Market
The Greater Philadelphia region is a powerhouse for healthcare, pharmaceuticals, technology, and financial services. Major employers include Penn Medicine, CHOP, Comcast, Vanguard, and numerous pharma companies along the Route 202 corridor. King of Prussia is a major corporate hub. The University City district anchors a growing tech ecosystem. PA's diverse economy provides stable employment that supports long-term homeownership.
Top Schools
Southeastern Pennsylvania is home to some of the state's highest-ranked school districts. Tredyffrin-Easttown in Chester County consistently ranks among the best in PA. Lower Merion (Montgomery County) is nationally recognized. Central Bucks, Radnor, and Wallingford-Swarthmore all deliver exceptional academics. Many districts rank in the top 10% statewide with strong college placement rates at Ivy League and top-tier universities.
Easy Access to NYC/DC
Pennsylvania sits strategically between New York City and Washington, D.C. Amtrak's Northeast Corridor connects Philadelphia to NYC in about 75 minutes and to DC in under 2 hours. SEPTA Regional Rail serves the entire suburban network. Major highways (I-76, I-476, PA Turnpike) provide easy driving access. Philadelphia International Airport offers direct flights nationwide. Live in PA's affordable suburbs while accessing two major metro areas.
Pennsylvania Mortgage FAQs
What counties in Pennsylvania do you serve?
We serve the Greater Philadelphia region across five key counties: Philadelphia County (the city itself with diverse neighborhoods from Center City to Chestnut Hill), Montgomery County (40+ municipalities including King of Prussia, Conshohocken, Ardmore, and the Main Line), Bucks County (50+ municipalities including Doylestown, New Hope, and Yardley), Delaware County (49 municipalities including Media, Swarthmore, and Wayne), and Chester County (70+ municipalities including West Chester and Downingtown).
What loan programs are available in Pennsylvania?
All 14 loan programs are available throughout Pennsylvania: Conventional (3% down), FHA (3.5% down), VA ($0 down for veterans), USDA ($0 down in eligible rural areas of Bucks and Chester Counties), Jumbo (for luxury properties on the Main Line and Chester County estates), 203(k) Renovation, HomeReady, Home Possible, Refinance, HELOC, Reverse Mortgage, HomeFundIt, All In One, and HomeStyle Renovation loans.
What is the median home price in the Philadelphia suburbs?
Home prices vary significantly across the region. Philadelphia averages around $275K with wide variation by neighborhood. Montgomery County ranges from $350K to $1.5M+ (Main Line towns like Bryn Mawr average $750K). Bucks County ranges from $325K to $1.2M+ (Doylestown averages $525K). Delaware County ranges from $250K to $900K+ (Wayne averages $650K). Chester County ranges from $400K to $2M+ (West Chester averages $450K). We match buyers with appropriate loan programs for every price point.
Does Pennsylvania charge sales tax on groceries?
No, Pennsylvania does not charge sales tax on groceries, clothing, or most food items. This is a significant cost-of-living advantage for families compared to many neighboring states. Combined with generally lower home prices than New Jersey and New York, Pennsylvania offers meaningful everyday savings that add up over time, freeing up more of your budget for your mortgage and savings.
How do Pennsylvania property taxes compare to New Jersey?
Pennsylvania property taxes are generally lower than New Jersey's. Philadelphia County averages around 1.4%, while suburban counties range from 1.5% to 2.2%. By comparison, New Jersey averages over 2.4% statewide with many Bergen and Essex County towns exceeding 3%. This property tax savings can amount to thousands of dollars annually, especially on higher-value homes. We factor property taxes into your debt-to-income calculations during pre-approval.
What are the best school districts in the Philadelphia suburbs?
The Philadelphia suburbs boast many nationally ranked school districts. Chester County features Tredyffrin-Easttown (one of PA's top-rated), Unionville-Chadds Ford, and West Chester Area. Montgomery County offers Lower Merion (Ardmore, Bryn Mawr), Radnor Township, and North Penn. Bucks County highlights include Central Bucks (Doylestown) and Council Rock. Delaware County features Wallingford-Swarthmore and Radnor. Many of these districts consistently rank in the top 10% of Pennsylvania schools.
Can I commute from Pennsylvania to New York City?
Yes, commuting to NYC from southeastern Pennsylvania is feasible. Amtrak and SEPTA Regional Rail connect to Trenton, NJ where you can transfer to NJ Transit for Penn Station. Door-to-door from Center City Philadelphia to Midtown Manhattan typically takes around 2 hours via Amtrak (1 hour 10 minutes express). Bucks County communities near Trenton offer shorter NJ Transit connections. Many professionals also commute to jobs in Philadelphia, Wilmington, or work remotely while enjoying PA's lower cost of living.
How quickly can I get pre-approved for a Pennsylvania mortgage?
Most buyers receive pre-approval within 24-48 hours. We offer fast pre-approvals with competitive rates across all Pennsylvania markets. Our pre-approval process includes a thorough review of your credit, income, and assets to provide you with a strong offer when competing in Pennsylvania's active real estate markets, especially in desirable areas like the Main Line, Chester County, and Bucks County where multiple offers are common in top school districts.
Ready to Buy Your Pennsylvania Home?
Get pre-approved today and start your journey to homeownership in Philadelphia, Montgomery, Bucks, Delaware, or Chester County. Expert guidance, competitive rates, and fast approvals across all Pennsylvania markets.
Licensed mortgage broker serving Pennsylvania • NMLS #1577754 • All loan programs available • Fast 24-48 hour pre-approvals