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The Penn Street Promise

Since 2004, Penn Street has provided residential and commercial financing to customers across the Tri-state and nationwide. Our financial experts take the utmost pride in helping our clients navigate major life decisions like growing a business or buying a new home. That’s why we believe in our Penn Street promise – to provide an honest, ethical and transparent approach to financing.
From walking you through the financing process to sitting at the closing table with you, we’re committed to providing a world-class customer service experience — all while saving you time and money.
With both residential and commercial services, Penn Street is your one-stop shop for all your financing needs.
Home loan interest rate

Why work with a broker?

As mortgage brokers, we bring a streamlined and specialized experience that you won’t get from a local bank or national lender. Brokers have the ability to shop around at multiple financial institutions, meaning we will find the best rate and terms. More options mean more ways to save you money. And we’ll streamline all communication through a primary point of contact. You won’t get passed around from person to person – you will work with the same loan officer from application to closing. Can a traditional lender do that?

Penn Street Planning Approach

The Penn Street Mortgage planning approach begins with a short discussion addressing personal & financial goals. When clear goals have been established we need to take into account: taxes, cash flow analysis, debt managment and ultimately wealth creation. A Penn Street Mortgage planner is a trusted advisor, who treats their clients like family. We would appreciate the opportunity to prove why our unique Mortgage Planning Approach will exceed your expectations.
We promise to always strive to help our clients Create Better Tomorrows, By Planning Today.

How We Can Help

Whether you want to purchase your first home or need financing to get your business venture going, you will need the help of reliable mortgage brokers. Penn Street Mortgage has you covered.
Our trusted mortgage brokers in Chester value integrity above other qualities. We understand how life-changing mortgages can be, and we are ready to help you every step of the way.
Our extensive experience in the industry will help make your application process more manageable. You will also gain access to various financing options since we have a vast network of lenders and financial institutions. This ensures the best deal for your needs.

Let Penn Street residential financing bring you home.

Whether you’re a first-time homebuyer, an experienced ral estate investor, or a downsizing empty-nester, our experts at Penn Street will guide you through purchasing your next home with confidence and assurance. In a competitive housing market, who you work with matters. Trust our team to provide the white-glove customer service you deserve.

Sit down to understand your goals and financial situation


Educate on the many different financing options available


Shop around to find you the best terms and rates


Communicate every step of the way


Get to closing with no surprises and explain all documents in person

Take your business to the next level with commercial financing.

Is your business ready to grow? With Penn Street as your commercial finance partner, you can feel confident that obtaining a commercial loan. We take a hands-on approach to our commercial loans, ensuring that you have a real partner every step of the way.
We’ll walk each client through the process:

Gather info to understand your business and goals


Guide you through the application process


Match you to the right lender


Negotiate the terms to get you the best deal


Get you to the closing table!


Hear from our clients.

I highly recommend Penn Street Mortgage and John Carlson. They offer many loan options and their rates are excellent. John is a great communicator and keeps all parties informed of the status of the loan. He is very knowledgeable, proactive, and responsive.
Penn Street Mortgage is a first class operation. My company and myself personally have worked with John and his team for years. Penn Street separates themselves from the rest of the mortgage industry by offering an array of competitive options from multiple banks, an organized process from start to finish and most importantly trusted advice. I highly recommend John Carlson and the rest of the Penn Street Mortgage team!
Eric, Dante and the team at Penn Street Mortgage were so easy to work with! We were educated on the options for our refinance and chose the best solution to support our financial goals. Communication was frequent, clear and friendly. Documentation was easy for us to upload via our private customer portal. Closing was completed at our house when it was convenient for us. Highly recommend this team!
We did our original mortgage and have refinanced with Penn Street Mortgage. Each time they evaluated our current financial situation and goals and provided us options. The process was easy and Tom was always available to answer questions and explain things. Highly recommended.

FAQ | About working with our Philadelphia mortgage brokers

As you begin the process of buying a home, finding the right loan program can feel like a daunting task. As top-rated Philadelphia mortgage brokers, our main goal is to make sure your home loan process is stress-free and help you find the best mortgage loans for your budget.

If you have never worked with a mortgage broker, you might have some questions about how it all works. Here are some frequently asked questions about working with a Philadelphia mortgage company. When you are ready to get started, reach out to our team at Penn Street Mortgage and discover the difference a mortgage professional can make in your home-buying process.

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A mortgage broker is a trusted professional who helps you explore all of your mortgage loan programs. They will connect you with multiple mortgage lenders to find you the best loan program for your budget and ensure you can compare competitive rates from multiple lenders.

From the pre-approval process to the final closing table, our job at Penn Street Mortgage is to give you all the information you need to make the best informed financial decisions. We will help you compare mortgage rates from multiple financial institutions, allowing you to find the right terms and conditions that fit your monthly budget.

Unlike a mortgage lender, a mortgage broker is able to present several mortgage options from different banks. On the other hand, a mortgage lender can only offer you home loans from their specific bank. When you work with mortgage brokers like our team at Penn Street Mortgage, you get more options and personalized service to fit your mortgage needs.

When you are buying a home or looking to refinance an existing mortgage, using a mortgage broker can ensure you get the best possible interest rates and make a smart financial decision.

Working with a mortgage broker gives you access to custom digital quotes and refinancing terms from several different banks, which gives you a greater chance of finding the best loan program. This ensures your mortgage experience is customized to you and your mortgage needs — not just a one-size-fits-all approach.

Ultimately, a mortgage broker can enhance your likelihood of approval and potentially secure better terms and rates on your mortgage loan.

If you are planning to buy a home in West Chester and need help finding a mortgage company, it is important to choose one with experience in similar home purchases and a good reputation among past clients. You want to work with someone you can trust and who will make the process as easy as possible.

From a first-time home buyer to experienced real estate investors, our team at Penn Street Mortgage is committed to providing excellent service that is transparent, efficient, and communicative from beginning to end. You can contact us to learn more about our unique approach compared to other mortgage companies serving Philadelphia.

When you work with one of our experienced team members at Penn Street Mortgage, we will help you through the entire home purchase loan with our step-by-step mortgage process.

Understand your mortgage needs

We begin by getting to know you and what kind of mortgage needs you have. We will go through your financial situation, understand your goals for homeownership, and expectations from a mortgage. We want your mortgage to be tailored for your unique situation. If you are planning to refinance your current mortgage, we will look at your home’s equity and see what kind of interest rate or loan products work best for a cash out refinance or other options.

Find the right home loan

Your mortgage broker will go out and find different loan products from lenders that fit your mortgage needs and goals. We will search through our wide network of mortgage lenders, and leverage our industry knowledge to present you the most favorable terms.

Review options and negotiate on your behalf

Your broker will present you with the potential home loans, and work with you to evaluate which one is the best option. This includes negotiating with lenders and ensuring your individual mortgage terms fit your budget and needs.

Loan Application

Your broker will assist you in applying for the chosen loan. They will handle the paperwork, meet deadlines and work with relevant parties to streamline the process.


After approval, your broker will coordinate the loan settlement process with lenders, agents, and solicitors for a smooth transition into homeownership or new mortgage terms.

When you are in the market for a mortgage, you have two options: go directly to a mortgage lender or work with a mortgage broker. While a mortgage lender can only offer you mortgage products from their specific financial institution, a mortgage broker has a network of banks and lenders they work with. Working with a mortgage broker gives you access to a wider range of home loan options and gives you more options when it comes to comparing mortgage rates and terms from different lenders. This can help you find the best mortgage and deal possible, tailored to your specific financial situation and needs.

Penn Street Mortgage | Your residential mortgage advisors in Philadelphia and beyond

If you are in the home buying process or looking to explore refinancing your existing mortgage, our top-rated mortgage broker in Philadelphia, PA is here to help you every step of the way.

We are committed to ensuring you find the right mortgage for you, so you can rest easy knowing you made the best choice in working with our team. Contact us today or explore our free tools online to see what kind of mortgage rates you qualify for. We are here to help every step of the way.

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