Find First-Time Home Buyer Specialists Near You in Bethlehem, PA
Looking for a first-time home buyer specialist in Bethlehem? Review the directory below to compare your options.
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State Mortgage Licensing Authority of Pennsylvania before hiring.
Showing 20 first-time home buyer specialists in Bethlehem, PA
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A first-time home buyer specialist in Bethlehem, Pennsylvania, helps you navigate local programs and state-specific requirements. Pennsylvania offers the Keystone Advantage Assistance Program and the PHFA First Front Door program for qualified buyers. These specialists guide you through mortgage options, down payment assistance, and the unique steps of buying a home in the Lehigh Valley area.
What Does a First-Time Home Buyer Specialist in Bethlehem Cost?
A first-time home buyer specialist in Pennsylvania typically charges a flat fee or a percentage of the home price. Fees range from 0.5% to 1% of the purchase price for mortgage broker services, or a flat fee of $500 to $1,500 for consulting. Real estate agent commissions are usually paid by the seller. Some specialists offer free initial consultations. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a first-time home buyer specialist in Bethlehem?
A first-time home buyer specialist is a real estate agent or mortgage advisor who focuses on helping people buy their first home. They know about Pennsylvania programs like the PHFA First Front Door grant, which offers up to 5% of the purchase price for down payment and closing costs.
What PA programs are available for first-time buyers in Bethlehem?
Pennsylvania offers the Keystone Advantage Assistance Program, which provides a 30-year fixed-rate mortgage with down payment help. The First Front Door program gives a grant of up to 5% of the loan amount. Both require completion of a home buyer education course approved by the Pennsylvania Housing Finance Agency.
How do I qualify for first-time home buyer help in Bethlehem?
You must not have owned a home in the last three years. Your income must be below certain limits, which vary by county. For Northampton County, the income limit for a one-person household is around $66,000 as of 2024. You also need a minimum credit score of 640 for most PHFA programs.