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Directory of mortgage lenders in Mount Joy, Pennsylvania. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Mount Joy, PA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Pennsylvania before hiring.
Showing 4 mortgage lenders in Mount Joy, PA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Penn Home Mortgage: Mortgage Brokers
1175 E Main St, Mount Joy, PA 17552
7178420731
Dwayne Campbell Penn Home Mortgage
1175 E Main St, Mount Joy, PA 17552
7175874121
James Ream with HomeSale Mortgage
102 E Main St, Mount Joy, PA 17552
4848243630
PNC Mortgage
917 E Main St, Mount Joy, PA 17552
7176539076
What Does a Mortgage Lender in Mount Joy Cost?
Typical costs for a mortgage lender in Pennsylvania include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance which can cost 500 to 1,500 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. Pennsylvania also charges a state transfer tax of 1 percent on the sale price, plus local transfer taxes in some counties. These costs vary by lender and loan type. 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 documents do I need to apply for a mortgage in Mount Joy?
Most lenders require proof of income such as pay stubs and tax returns, bank statements, and a valid photo ID. Pennsylvania law also requires lenders to verify your credit history and debt-to-income ratio. Having these documents ready can speed up the application process.
How long does it take to close a mortgage in Pennsylvania?
A typical mortgage closing in Pennsylvania takes 30 to 45 days from application to final settlement. The state requires a three day right of rescission period for refinances under federal law. Delays can happen if appraisals or title searches take longer than expected.
Are there special mortgage programs for first time buyers in Pennsylvania?
Yes, Pennsylvania offers the PHFA Keystone Advantage Assistance Program which provides down payment and closing cost help for first time buyers. Many local lenders in Mount Joy also offer FHA and USDA loans with low down payment options. Eligibility depends on income and property location.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Pennsylvania.