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Home purchaseTell us about the home and your timeline. A licensed loan officer runs the numbers, calls you back, and puts what the file supports in writing so your offer holds up.
Three quick steps, about a minute. No Social Security number, no pay stubs. The details step is optional.
Prefer to skip ahead? Start the full application in our secure portal, or call (267) 241-9900.
It goes straight to our loan officers with your ZIP, timeline, price range, and credit band, so the right person picks it up.
Usually the same business day. Fifteen minutes is enough to confirm the program, the price range that works, and what documents we need.
You complete the secure application, we verify income, assets, and credit, and issue a pre-approval letter you can attach to an offer.
Plenty of letters are printed off a phone call. Ours are issued after the file is reviewed against the guidelines the loan will actually be underwritten to. That is why a listing agent in Bucks, Montgomery, Philadelphia, or Mercer County can call us and get a straight answer about the buyer.
Score, history, and anything that needs explaining, handled before the offer rather than after.
W-2, self-employed, retirement, or Social Security. Calculated the way underwriting will calculate it.
Down payment, closing costs, gifts, and reserves traced so nothing surfaces late.
Conventional, FHA, VA, USDA, or a state program with assistance. Chosen for the borrower and the property, not the easiest sale.
Once we have your application, credit, and the documents on our checklist, most buyers have a letter within one to two business days. If you have already found a home and are writing an offer, tell us on the form and we prioritize the file.
A pre-qualification is an estimate based on what you tell us. A pre-approval means we have verified income, assets, and credit and run the file through underwriting guidelines. Listing agents know the difference, which is why we only issue pre-approvals.
A mortgage credit inquiry counts as one hard pull. Multiple mortgage inquiries within a short shopping window are treated as a single inquiry by the credit scoring models, so shopping lenders does not stack the effect.
No. Conventional loans start at 3 percent down and FHA at 3.5 percent. In Pennsylvania and New Jersey, PHFA and NJHMFA offer down payment assistance for eligible buyers, subject to county income and purchase price limits.
Yes. Condominium financing has an extra step: the project itself has to meet lender or agency requirements, not only the buyer. Tell us the building early and we check the project while we work your file so there are no surprises under contract.
Yes. Retirement, pension, and Social Security income all count, and agency guidelines also allow qualifying from retirement assets in some cases. What matters is documented, continuing income and a payment that fits it.
Your form goes only to our licensed loan officers. No Social Security number is collected on this page. Full applications run through our secure portal, not email.
Written by Steve Umansky, Sr. Branch Manager, NMLS #61764. This page is general information, not a commitment to lend. All loans subject to credit approval and program guidelines.
Ready to see what you qualify for?