Attractive financing is available for qualified borrowers who want to purchase a home in Pennsylvania. Borrowers with past credit problems or limited funds for a down payment might be able to qualify for a fixed-rate mortgage. Perennial Funding offers hundreds of loan programs for first time home buyers and for previous home buyers, too.
From the comfort of your home or from anywhere that has an Internet connection, you can access our secured loan application. Within minutes, you can complete our online application for a home mortgage loan. After your information is reviewed, a licensed loan officer will contact you to discuss your financing needs.
Pennsylvania mortgage lenders are required to provide home buyers with federal and state disclosures. Certain documents will require your signature to validate that you understand the costs and the terms of the mortgage loan. Our loan advisors are able to answer any questions or concerns that pertain to your PA home buyer disclosures.
Generally, your loan application will be submitted via an automated underwriting system. If a preliminary loan approval is granted, you will be required to verify a variety of details, such as your income and your financial stability. An underwriting review is performed to determine whether the mortgage loan that you are seeking is affordable.
Working with one of our PA loan officers to gather your documents is a great idea. Our employees are knowledgeable about the document collection process and about the use of alternative items that might satisfy certain loan conditions.
We work very efficiently to quickly clear loan approval conditions. Using a top-notched processing team and underwriting experts, we are able to meet tight deadlines and time-sensitive closing dates. When the requirements for an appraisal, title commitment, homeowners insurance, various inspections and other loan approval conditions have been met, we will inform you and your real estate agent that your mortgage loan is cleared for closing
The specific items that are needed to obtain a mortgage loan to buy a home in Pennsylvania will vary among applicants. However, working with an experienced lending professional could save you a lot of time. Contact Perennial Funding today for more details about buying a home in PA, or to inquire about financing for properties that are located in DE, FL, MD, NJ or VA.