Current Pennsylvania Mortgage & Refinance Rates Bankrate.com Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content
Pennsylvania Mortgage and Refinance Rates
Advertiser Disclosure Advertiser Disclosure
The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies. Dhara Singh is a former mortgage reporter for Bankrate. As of Sunday, November 13, 2022, current rates in Pennsylvania are 6.86% for a 30-year fixed and 6.14% for a 15-year fixed. Bankrate has offers for Pennsylvania mortgage and refinances from top partners that are well below the national average. Compare, apply, and start saving today. At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . ON THIS PAGE Important information about our rate table The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our "Advertisers"). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a "Next" button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser. Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership. If you are seeking a loan for more than $548,250, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount. The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included. If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please to provide your comments to Bankrate Quality Control. Pennsylvania mortgage overview
Homebuying programs in Pennsylvania not only assist with the down payment, but also help fund closing costs to make it more affordable for people to buy their first home. The state also has programs for current homeowners who are looking to buy another home, such as upgrading to a larger one or in a different neighborhood. (PHFA) works with brokers and lenders to offer and process mortgages with low fees and affordable interest rates. The loans are purchased by the PHFA after closing, and the homeowner makes monthly payments directly to the agency. Top 5 Bankrate mortgage lenders in Pennsylvania
Ally Bank Sage Mortgage Fairway Independent Mortgage Corporation Garden State Home Loans Cake Mortgage Methodology
Bankrate helps thousands of borrowers find mortgage and refinance lenders every day. To determine the top mortgage lenders, we analyzed proprietary data across more than 150 lenders to assess which on our platform received the most inquiries within a three-month period. We then assigned superlatives based on factors such as fees, products offered, convenience and other criteria. These top lenders are updated regularly. Ally Bank
Ally Bank is an online bank and lender that offers several benefits for borrowers seeking jumbo loans and other types of mortgages. Strengths: Displays interest rates and APRs on its website; preapprovals in as little as three minutes. Weaknesses: Doesn't lend mortgages in some states. Read Bankrate's . Sage Mortgage
Sage Mortgage is newer to the game - founded in 2020 - but it's already gained the wisdom associated with its name by helping several thousand borrowers close mortgages. It's an especially solid choice if you're looking to refinance. By working with multiple lenders, Sage can help you find the best terms on a new loan. Strengths: Specializes in refinancing; convenient ability to text with loan officers; easy online application process. Weaknesses: Only starting rates available online. Read Bankrate's . Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation funded more than $71 billion in home loans in 2021. While you'll have to contact a loan officer for information about the lender's rates and fees, the majority of the experience at Fairway can be done via your screen. The FairwayNOW mobile app helps you get preapproved quickly, upload your documents and monitor the status of your application. If you're looking for an in-person touch, you're in luck: The lender has have a dozen branch locations in Pennsylvania. Strengths: Mobile app makes managing application easy. Weaknesses: Doesn't publicly advertise rates or list specific fees; have to contact a loan officer to start the process. Read Bankrate's . Garden State Home Loans
Garden State Home Loans is based in New Jersey and lends in nine states, including Pennsylvania. The lender gives borrowers access to a variety of loan options, including cash-out refinancing for homeowners wanting to tap their equity. Strengths: Chat feature can connect you to a loan officer easily; closings with the lender can take as little as 20 days. Weaknesses: Doesn't display rates or fees online. Read Bankrate's . Cake Mortgage
Cake is a California-based mortgage lender that promises a tech-based approach with a human touch. Strengths: Claims to offer competitive rates and a customer-friendly experience. Weaknesses: No branch locations for in-person consultation. Read Bankrate's . First-time homebuyer programs in Pennsylvania
The Keystone State offers many first-time homebuyer programs to encourage people to buy their first house, condo or townhome. Learn more about . Through the PHFA, homebuyers can obtain a 30-year, fixed-rate mortgage that has a more affordable interest rate and fewer fees. The loans include conventional mortgages, VA loans, FHA loans or USDA rural development loans. The household income and limits on home prices vary with each program: HFA Preferred (Lo MI) loan, which helps homebuyers with lower down payments obtain cheaper private mortgage insurance (PMI). When homebuyers do not have 20 percent for the down payment, lenders require PMI. The program is open to all homebuyers and there are no purchase price limits. Consumers must contribute at least $1,000 toward the down payment. Keystone Home loan program serves first-time homebuyers, discharged veterans of the armed forces and buyers of homes in for conventional mortgages, VA loans, FHA loans or USDA loans. Each type of loan has different requirements. Keystone Government works with mortgage lenders and brokers to provide homebuyers with affordable mortgages in the form of FHA loans, VA loans or USDA loans. You don't have to be a first-time homebuyer to apply for this program. Pennsylvania mortgage refinancing
You may be able to lower your monthly payment and save thousands by refinancing your loan to a lower rate. You can use Bankrate's to see how much you can save. Pennsylvania mortgage resources