WE TAKE YOUR DENIAL AND TURN IT INTO AN APPROVAL !

WE PROIVIDE ALL MORTGAGE SERVICES IN THE COMMON WEALTH OF PENNSYLVANIA.  WITH OUR ADVANCED TRAINING, WE HERE AT HOME OWNERS COUNSLEING SERVICES ARE A TEAM OF MORTGAGE PROFESSIONALS WITH THE ABILITY TO SERVICE ANY HOMEOWNER.


What are you really looking at when you’re comparing mortgage rates? For starters, you want to always know if you are looking at an interest rate or an annual percentage rate (APR). (The results of our mortgage rate calculator will show you both types.) The mortgage interest rate is the interest rate stated on the promissory note and which determines your monthly payment amount (principal and interest). An annual percentage rate (or APR) is the effective cost of your credit stated as a yearly rate, or the mortgage interest rate plus estimated loan fees. Lender's fees, mortgage insurance and other closing costs (“loan fees”) are calculated into the loan amount and then spread out over the length of the loan (or the term) to reach the APR. By making estimated loan fees part of the equation, homebuyers can use APR to better see the true cost of a loan and make a better comparison between mortgage products offered by each lender.

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PURCHASE
 
Whether you have already found your dream home or are still looking, our mortgage professionals can help you choose the right home loan to meet your needs.
Primary Residency - Shopping for a new home? We have a wide variety of home loans to meet your unique needs, including home loans for first-time home buyers.

Second Home - What loan options are available for you? We have second home mortgages and a range of financing solutions to help your achieve your goal.

Investment Property - Want to become a landlord or take advantage of deals in the real estate market. We can help.

First Time Homebuyer - Do you want to fulfill your dream of owning a home? We have great first-time home buyer loans – and the experience to help. whether you qualify for a VA loan or FHA.


REFINANCE

Refinance Your Home
A mortgage refinance can be rewarding in many ways. You can take advantage of lower interest rates to reduce your monthly payment, take cash out or simply pay off the loan early. Whatever your goal may be, we can help.

Lower Your Payment – Do you want to refinance your home loan to take advantage of low interest rates and reduce your monthly payment? We have many options that can help.

Consolidate Debt – Ready to consolidate your high-interest bills to get better control of your budget? Find out how a home refinance can help you reach your goals.

Adjustable Rate Mortgage (ARM) to a Fixed Rate - Have an adjustable rate mortgage where the fixed period is coming to an end soon? Check our refinance mortgage rates and decide if now is the right time to act.

Get Cash Out of My Home - Need cash for a college education or another pressing need? Find out how you can refinance your home and achieve your goals.