Pennsylvania Mortgage Broker
The Mortgage Zone brokers mortgages in Pennsylvania (NMLS #2697124). For 2026, most Pennsylvania counties use the $832,750 conforming baseline (Pike County, in the New York metro, is designated high-cost), with an FHA floor of $541,287. We finance purchases and refinances from Philadelphia to Pittsburgh.
Purchase, refinance, and investment financing across Pennsylvania — one application, 75 wholesale lenders competing for your loan.
Lending in Pennsylvania
Pennsylvania offers some of the most attainable homeownership in the Northeast — Pittsburgh remains one of the best price-to-income big-city markets in the country, and much of the state transacts well below national medians. That makes FHA, conventional 3%-down, and first-time buyer structures especially effective here.
Philadelphia's rowhome stock brings its own rhythms: older housing that sometimes needs renovation financing, and the city's local transfer tax, which is among the steepest in the nation. We budget both into deals up front so closing figures land where the pre-approval said they would.
- Conforming (Fannie/Freddie)
- $832,750 in most counties; Pike County (NY metro) higher
- FHA
- From $541,287; higher in select metro counties
Limits are set per county and change annually — we'll confirm the exact figure for your county when we quote your scenario.
PHFA's Keystone programs offer first mortgages and down payment/closing cost assistance for eligible Pennsylvania buyers. We'll compare a PHFA structure against standard low-down-payment options for your profile.
phfa.orgWhat's Different in PA
Transfer taxes vary — a lot
Pennsylvania charges a 1% state realty transfer tax plus a local tax that varies by municipality; in Philadelphia the combined rate exceeds 4% of the sale price. Who pays is negotiable, but it must be budgeted — we surface it in your very first cost estimate.
Renovation-ready lending
A large share of Pennsylvania's housing stock predates 1970. FHA 203(k) and conventional renovation programs let you finance the purchase and the rehab in one loan — a natural fit for rowhomes and older suburbans alike.
Popular in Pennsylvania
Serving borrowers throughout Pennsylvania, including Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Harrisburg, Lancaster, and every county in between.
The Mortgage Zone is a licensed mortgage broker in Pennsylvania (NMLS #2697124). Verify our licensing on the State Licenses page or via NMLS Consumer Access.
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No credit pull required. NMLS #2697124
Loan limits, program availability, tax rules, and assistance programs are subject to change and vary by county and borrower eligibility; information on this page is general reference, not a loan offer or tax advice. State agency programs are offered by those agencies, not The Mortgage Zone. Equal Housing Opportunity.
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