I would like to thank Mortgage America for making my home buying experience easy and uneventful. My broker was always pleasant and knowledgeable about every question that I had. I would love to work with her again on any future purchases I may have. I would certainly recommend Mortgage America to someone looking to purchase. Mortgage America came to my rescue after several other nightmare experiences with other lenders.
Angela was phenomenal. She was responsive, helpful, and patient throughout the entire process - and my closing was as smooth as can be. Thank you so much, Mortgage America. I'm extremely grateful and will certainly be in touch the next time I need lending! Kevin Sutera provided excellent service - would recomend your company based on his performance!
Named the #1 Mortgage Lender in Pennsylvania year after year, Mortgage America handles more loans and originations than all local mortgage lenders combined. Our name is among the most trusted in the mortgage banking industry, and we have the satisfaction ratings to prove it.
Angela was phenomenal. She was responsive, helpful, and patient throughout the entire process - and my closing was as smooth as can be. Thank you so much, Mortgage America. I'm extremely grateful and will certainly be in touch the next time I need lending! Kevin Sutera provided excellent service - would recomend your company based on his performance!
Named the #1 Mortgage Lender in Pennsylvania year after year, Mortgage America handles more loans and originations than all local mortgage lenders combined. Our name is among the most trusted in the mortgage banking industry, and we have the satisfaction ratings to prove it.
Services
We are Mortgage America, headquartered in Whitehall, PA.
Since opening our doors almost 40 years ago, we've established our business in response to the region's growing demand for community-based home loans.
A family owned and operated pioneer in the mortgage banking industry, we are proud of our reputation as experts in providing quick, reliable loans for local homeowners and buyers.
Over the years, our in-depth industry knowledge and community dedication have allowed us to expand our reach, giving more customers access to smarter mortgage solutions.
Since opening our doors almost 40 years ago, we've established our business in response to the region's growing demand for community-based home loans.
A family owned and operated pioneer in the mortgage banking industry, we are proud of our reputation as experts in providing quick, reliable loans for local homeowners and buyers.
Over the years, our in-depth industry knowledge and community dedication have allowed us to expand our reach, giving more customers access to smarter mortgage solutions.
Ideal solutions for the majority of borrowers, providing financing for as much as 95% of the purchase price along with affordable fixed or adjustable monthly interest rates.
These loans typically require down payments of 5% of the purchase price.
However, with a personalized conventional mortgage plan from Mortgage America, qualifying borrowers can receive home financing with down payments as low as 3% of the purchase price.
Note: For all down payments of less than 20% of the purchase price or appraised value, conventional mortgage loans must be insured by private mortgage issuers.
These loans typically require down payments of 5% of the purchase price.
However, with a personalized conventional mortgage plan from Mortgage America, qualifying borrowers can receive home financing with down payments as low as 3% of the purchase price.
Note: For all down payments of less than 20% of the purchase price or appraised value, conventional mortgage loans must be insured by private mortgage issuers.
An FHA loan may be a practical mortgage option for first-time home buyers, those with a modest income, or those with a less than optimal credit rating.
Borrowers who qualify for FHA loans can benefit from a lower down payment than those that are typically required for conventional mortgages, usually at 3.5% of the purchase price.
The FHA can also permit partial financing of closing costs and allow for refinancing without appraisal.
Mortgage America can tailor FHA plans to meet the specific needs of each individual borrower, and in some cases, borrowers can avoid costly monthly private mortgage insurance (PMI) by paying an affordable, one-time mortgage insurance premium.
Borrowers who qualify for FHA loans can benefit from a lower down payment than those that are typically required for conventional mortgages, usually at 3.5% of the purchase price.
The FHA can also permit partial financing of closing costs and allow for refinancing without appraisal.
Mortgage America can tailor FHA plans to meet the specific needs of each individual borrower, and in some cases, borrowers can avoid costly monthly private mortgage insurance (PMI) by paying an affordable, one-time mortgage insurance premium.
A PA Bond may be an affordable option for a first-time home buyer in Pennsylvania.
Under the Pennsylvania Housing Finance Agency (PHFA) Statewide Home-ownership Program, PA Bonds are available for borrowers who may not meet qualification requirements for conventional loans.
Both new and existing homes are eligible for agency financing.
With a PA Bond plan from Mortgage America, select borrowers can access mortgage loans below market interest rates.
Note: First-time home buyer is defined as a person who has not owned and occupied a home in the past three years.
Under the Pennsylvania Housing Finance Agency (PHFA) Statewide Home-ownership Program, PA Bonds are available for borrowers who may not meet qualification requirements for conventional loans.
Both new and existing homes are eligible for agency financing.
With a PA Bond plan from Mortgage America, select borrowers can access mortgage loans below market interest rates.
Note: First-time home buyer is defined as a person who has not owned and occupied a home in the past three years.
A jumbo loan is a mortgage for borrowers who wish to borrow more than $548,250.
Because Jumbo loans cannot be funded by Fannie Mae or Freddie Mac, they usually require higher interest rates than conventional loans.
However, with a jumbo mortgage loan from Mortgage America, borrowers can take advantage of highly competitive fixed rates and adjustable monthly interest rates.
Talk to a Mortgage America loan officer for information about your specific jumbo loan options.
Our representatives can walk you through every step of the process and help find the loan option that's right for you.
Because Jumbo loans cannot be funded by Fannie Mae or Freddie Mac, they usually require higher interest rates than conventional loans.
However, with a jumbo mortgage loan from Mortgage America, borrowers can take advantage of highly competitive fixed rates and adjustable monthly interest rates.
Talk to a Mortgage America loan officer for information about your specific jumbo loan options.
Our representatives can walk you through every step of the process and help find the loan option that's right for you.
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