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Central Pennsylvania · PennsylvaniaMortgage lender in Huntingdon County, PA
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Pennsylvania and makes purchase and refinance loans in Huntingdon County: conventional, FHA, VA, USDA, jumbo and non-QM. Files are handled from our Southampton, PA office by a licensed loan officer you can reach directly. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
From Huntingdon to Raystown Lake area: what changes locally, what does not, and how to find out in fifteen minutes what you actually qualify for.
Buying in Huntingdon County
Huntingdon County, with its county seat in Huntingdon, takes in Huntingdon, Mount Union and Raystown Lake area. Stellar lends across all of Pennsylvania, and Huntingdon County files are handled from our Southampton, PA office by a licensed officer you can reach directly.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $541,287 (one-unit, set by HUD)
- Above that
- Jumbo pricing
- Closing handled by
- title company
- State housing agency
- PHFA (participating lender)
- Your office
- Southampton, PA
2026 limits for a one-unit property. Huntingdon County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Huntingdon County. Loans above it are jumbo, which means tighter reserves and different pricing.
How closings work in Pennsylvania
In Pennsylvania, closings are typically handled by a title company. Property taxes are paid to the county, municipality, and school district, and older housing stock can bring lead-paint, knob-and-tube, or well-and-septic questions into the appraisal.
Transfer and recording taxes. Pennsylvania charges a state realty transfer tax of 1 percent of the value of the property, and the municipality and school district usually add a local tax on top; the local rate differs from place to place and is higher in some cities. Under state law the buyer and the seller are both responsible for the tax. How it is divided is set in the agreement of sale. Source: Pennsylvania Department of Revenue, realty transfer tax. Property taxes are set locally; we take the figure from the tax record for the address.
FHA loans and first-time buyer programs in Huntingdon County
FHA limits are set by HUD county by county, and PHFA income and purchase price caps change periodically. We check the current figures for Huntingdon County on every file rather than quoting from memory. Official source: PHFA. VA and USDA loans with little or no money down are available where the borrower and property qualify; USDA eligibility is address-specific, so we check the property on the USDA map before assuming either way.
USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.
Questions Huntingdon County buyers ask
Does Stellar Mortgage lend in Huntingdon County, PA?
Yes. Stellar Mortgage Corporation is licensed in Pennsylvania and lends in all 67 counties, including Huntingdon County. Our head office is in Southampton, Bucks County, and every file is handled by a licensed loan officer with a direct line.
What is the 2026 conforming loan limit in Huntingdon County?
For 2026 the one-unit conforming limit in Huntingdon County is $832,750, the FHFA baseline. Loans above that are jumbo, which brings tighter reserve and credit requirements. FHA limits are set separately by HUD and are usually lower; we check both for the property address before quoting.
Is there down payment assistance for first-time buyers in Huntingdon County?
PHFA, the state housing agency, offers first mortgages paired with down payment and closing cost assistance for eligible Pennsylvania buyers, and Stellar is an approved PHFA lender. Income and purchase price limits are set by county and change periodically, so we confirm the current Huntingdon County figures on your file rather than quoting them here. Some counties and municipalities run their own programs as well; ask your officer what is funded right now.
How fast can I get pre-approved to buy in Huntingdon County?
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 in Huntingdon or anywhere else in Huntingdon County and are writing an offer, tell us on the form and we prioritize the file.
What is the 2026 FHA loan limit in Huntingdon County?
For 2026 the FHA limit for a one-unit home in Huntingdon County is $541,287, set by HUD. The conforming loan limit is $832,750. Limits for two- to four-unit properties are higher.
Who pays the transfer tax in Huntingdon County?
The state realty transfer tax is 1 percent of the property’s value, and the municipality and school district usually add a local tax. Buyer and seller are both legally responsible; how it is divided is set in the agreement of sale, and it is often shared.
Conforming limit shown is the 2026 FHFA figure for Huntingdon County. FHA limits and state agency caps are set by HUD and PHFA and change periodically. Verify on the official source. Not a commitment to lend.
Get pre-approved in Huntingdon County
Three quick steps, about a minute. No Social Security number, no pay stubs. A licensed officer from our Southampton office calls you back, usually the same business day.
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“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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