A Guide to the Pennsylvania Mortgage Market

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Mortgage and Lending - Keystone Home Finance - NMLS#834342 - Conventional - FHA - VA -USDA - Jumbo Programs - Direct Phone 412-726-1654 - NMLS# 137243
A Guide to the Pennsylvania Mortgage Market
RECENT BLOG POSTS
  UPDATE :  These Funding Fees are now taking effect November 18th, 2011.  Read about it here   Good news for those seeking a VA Mortgage in Pennsylvania and the rest of the nation.  Per the recently passed Public Law 112-026, VA Funding Fees are set to decrease.  The below chart was emailed to m...
09/13/2011
  New USDA Mortgages in Pennsylvania and the rest of the nation will so be affected by upcoming changes to the USDA Guarantee Fee and the addition of monthly Mortgage Insurance.   These changes were announced a few months back and the will become effective with all new USDA mortgages approved on ...
09/11/2011
  Using a 100% USDA mortgage is a great way to finance the purchase of your next home in Pennsylvania.  These are great loans for those who qualify and the USDA loan remains as one of the true no down payment programs out there.    Benefits of a USDA Rural Development loan include:               ...
09/11/2011
Qualifying for a Mortgage after a Bankruptcy is possible but requires borrowers to have re-established positive credit.  Different types of mortgages have some differences in guidelines.  Here is a breakdown of the rules by financing type... Conventional :  Chapter 7 requires 4 years since discha...
09/04/2011
Lenders have their own underwriting guidelines on top of base FHA undewriting guidelines, these individual underwriting guidelines are known as "overlays".  Recently some of these overlays have been loosened up or removed.  Perhaps the tight credit environment is a showing a sign or two of loose...
07/05/2011
It has always been known that maintaining manageable credit balances is one of the keys to financial health.  Paying off credit card balances in full each month is ideal but when this is just not possible and a balance must be maintained, it is important to keep your credit card balance in relat...
07/02/2011
Using a 100% USDA mortgage is a great way to finance the purchase of your next home in Adams County, Pennsylvania. These are great loans for those who qualify and the USDA loan remains as one of the true no down payment programs out there. If the home appraisal allows, the closing costs can also...
06/07/2011
    Guidelines for Jumbo Mortgages in Pennsylvania just had an update that provides for higher loan amounts and lower equity requirements.  These products offer low fixed rates, optional escrow and no mortgage insurance for any product, including those with a Loan to Value (LTV) over 80%.   Jumbo...
06/02/2011
Here are some of the Loan to Value Matrices available for a Pennsylvania Jumbo Mortgage.  These scenarios below represent the options for credit scores of 720 and above.  Loan to Values (LTV) Available for Purchases and Rate/Term Refinances 80% to $1,000,000 75% to $1,500,000 70% to $2,000,000   ...
05/31/2011
Using a 100% USDA mortgage is a great way to finance the purchase of your next home in Wayne County, Pennsylvania.  These are great loans for those who qualify and the USDA loan remains as one of the true no down payment programs out there.  If the home appraisal allows, the closing costs can al...
05/21/2011
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Keith Landis

Pennsylvania - "Your Pennsylvania Mortgage Source"
local_phone(412) 567-6560
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