Residential Mortgage Broker in West Chester

Submit the

winning offer

with confidence.

Penn Street Mortgage is licensed in:

Pennsylvania | Delaware | Maryland | Florida

Programs we over:
Conventional | FHA | VA | USDA | Non-QM | DSCR | Jumbo Bank Statement Programs | Agriculture Loans

The Process

Buying a home is an extremely personal process. That’s why we guide each of our clients step by step through the transaction, making sure they feel comfortable and informed through every step of the deal.
Our expert team of mortgage brokers value authenticity and honesty above all and want to ensure our clients feel supported in this major decision. With top-notch customer service, transparent communication, and a hands-on approach, our clients can close on their next home with confidence.
Philadelphia PA mortgage professional, mortgage lender

Penn Street Mortgage | Your Philadelphia Mortgage Brokers

At Penn Street Mortgage, we are here to be your partner in the mortgage process from start to finish. With decades of expertise and a deep knowledge of the local Philadelphia, PA, housing market, our team of mortgage professionals is ready to get you into your dream home.

Whether you are a first-time homebuyer, are looking to refinance an existing mortgage or maybe purchase an investment property, our goal is to find the best loan program for you, your budget and your current mortgage and needs.

When you work with our team or mortgage brokers, you can feel confident you are getting the most competitive interest rates from our wide network of national and local mortgage lenders.

You can submit the winning offer with confidence when you work with Penn Street Mortgage — a trusted Philadelphia mortgage company.

The Penn Street Mortgage Difference

Personalized service and attention

At Penn Street Mortgage, we know every client has unique mortgage needs, financial situations, and homeownership goals. That is why we offer personalized service, where our dedicated and expert team of mortgage professionals will take the time to understand your specific mortgage needs and goals. You will not get this same level of service from a big national mortgage company.

Extensive industry knowledge

Navigating the mortgage landscape can be complex, but with Penn Street Mortgage, you will have access to an expert team with the local Philadelphia market knowledge you need to navigate the home purchase process. Our mortgage advisors can simplify the complex mortgage industry jargon into easy-to-understand information, helping you make informed financial decisions that have your best interest at heart.

refinance rates, refinance rates lock, dream home affordable, existing mortgage

A large network of trusted lenders

We have cultivated relationships with a wide network of trusted mortgage lenders locally and nationally in Philadelphia with many banks. This means we can provide you with a broader range of loan products to suit your needs. Whether conventional loans, FHA loans, VA loans, or refinancing solutions, rest assured we can help you find the best loan programs.

Fast funding options and mortgage process

At Penn Street Mortgage, we understand the importance of speed and efficiency in the fast-paced real estate market. That is why we prioritize a smooth and timely mortgage process, starting from the initial consultation all the way to closing. Our goal is to ensure that your loan closes on time, without stress or delays.

Ready to experience the Penn Street Mortgage difference? Contact us today to learn how we can make the home-buying process stress-free and make the process of getting your mortgage easier.

Your Trusted Philadelphia Mortgage Company

As a leading Philadelphia mortgage company, we know there is no one-size-fits-all mortgage solution. That is why we provide a wide range of loan programs to fit your specific needs and qualifications.

  • Conventional loans
  • Refinance
  • VA & FHA Loans
  • USDA
  • Non-QM
  • DSCR
  • Jumbo Bank Statement Programs

Not sure which loan program is right for you? Our experienced team will sit down and walk you through the different mortgage programs to match you with the best loan program for your needs. Depending on your monthly budget, current mortgage amount, credit score and other qualifications, we can ensure you find the most competitive interest rate for your loan program.

mortgage refinance, home loans, the right mortgage with the right refinancing terms

How Mortgage Broker Services Work

At Penn Street Mortgage, we believe the home loan process should be transparent and clear, so that when you work with us, you know exactly what to expect.

Here is how our team works:


Our initial meeting with clients is all about getting to know them, their objectives, finances, and timelines. We believe that a personalized approach to the home purchase loan process is crucial to ensuring our clients have a smooth and stress-free transaction. Our professional Philadelphia team will walk you through the approval process, giving you the confidence to search for your dream home and make a winning offer.


As mortgage brokers, we have access to multiple financial products and rate sheets to get you the best deal available. We will help you find the best loan options across different mortgage programs to help you understand the pros and cons of each financing option. Whether it is a fixed-rate mortgage or helping you explore a cash-out refinance, we will work diligently to help you find low rates.


We do more than just educate our clients — we want to be one of the reasons they win the offer. That is why we will work in partnership with your real estate agent to get all your financial information together and strategize the best terms, giving you the best chance to win your offer.


On closing day, we will be right there to walk you through the closing paperwork and celebrate with you. The relationship does not stop there, though. Even after closing, we are a resource for you throughout your loan.

Benefits of Working with a Mortgage Broker

We know you have a choice when it comes to selecting a Philadelphia mortgage company. But when you work with us, you get more than just our expert knowledge and top-notch customer service. Our clients benefit from:

  • Access to mortgage loans and loan products from a large network of lenders
  • Competitive interest rates and loan terms
  • Expert advice tailored to your specific needs
  • A streamlined and efficient mortgage approval process

Penn Street Mortgage brings years of experience and industry knowledge to the table, making our team an invaluable asset in securing the ideal mortgage solution for your needs. Our clients trust us to deliver exceptional results and help them achieve their homeownership goals.

Give us a call or access our custom digital quotes tool today!

Penn Street Mortgage is committed to providing exceptional mortgage broker services to our valued clients in Philadelphia and beyond. Access our online free tools and get started exploring your loan options now!

Ready to experience the Penn Street Mortgage difference? Contact us today to schedule a consultation and start your path to your dream home.

closing loans, current interest rates


Essentially, as mortgage brokers, we serve as intermediaries between mortgage lenders and borrowers. Therefore, if you plan to buy a new home, we can help you find the best loan options for your particular needs.

Besides helping you get the most competitive purchase price and interest rates, we do our best to choose the best lender for each individual borrower.

Yes, of course! We offer different programs, including the following:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Non-QM loans
  • DSCR loans
  • Jumbo Bank Statement Programs
  • Agricultural loans

At Penn Street, we understand that buying residential property is an important and personal process. Therefore, we are committed to walking each first-time homebuyer through every step of the process to help them feel comfortable and make the best decisions.

Our experienced team ensures that all our clients are informed at every stage of the home loan process and assist them even after closing!

We value honesty, authenticity, and all the positive values ​​that allow us to provide you with top-notch customer service.

Additionally, we strive to ensure that every process you execute with us is transparent, so you can close the deal to buy your next home with confidence and peace of mind.

At Penn Street, we are committed to providing an honest and ethical approach to home financing while helping our clients save time and money.

Yes, of course! Besides educating our clients on everything they need to know when looking for home loans, we also go the extra mile to help them win the offer.

Our team will work together with your real estate agent to get all your key financial information and define the best strategies to get the best terms, increasing your chances of winning the offer that really suits you.

In addition, we communicate with both the buyer and the seller’s agent to explain everything we consider to pre-approve you. This way, they can feel confident that your finances are in order and that you will be able to make each monthly payment without problems.

Yes, you’re right! We’ll also be with you on the closing day to help you handle all the tedious paperwork involved and celebrate the new achievement with you!

Moreover, we want to build long-lasting relationships with our clients. Therefore, our journey doesn’t end there. Penn Street’s team can help you through your loan term, whether you plan to refinance it or have trouble paying the monthly amount.

The greatest benefit we offer our clients is exceptional, first-class service. Whether you are a first-time homebuyer or a real estate expert, one of our residential mortgage advisors will be with you every step of the loan process, making it easier and more comfortable.

In addition, we do everything possible to provide those who trust us with a streamlined and specialized experience that no local bank or national lender can offer.

The home mortgage consultant that works with you will shop around at different financial institutions to help you find home loans with the best interest rates and terms.

We know that one of the main drawbacks of working with a conventional lender is that both process and communication can be complex. Generally, you have to go from person to person to find good loan options, do all the paperwork, and close the deal.

However, that doesn’t happen when you work with us. From the moment you apply until you close the deal to buy the house of your dreams, you’ll be with the same loan officer. We guarantee streamlined communication and easier processes!

It depends on the type of loan you choose, your down payment, and the mortgage lenders you consider.

However, one of our loan officers can help you determine if paying private mortgage insurance is necessary and what you should do if it’s right for you.

Yes, of course! We help all first-time homebuyers and expert real estate agents to make informed decisions. Therefore, you’ll know each option’s interest rate, discount points (if any), monthly payments, and more!

As long as you are within our service areas, we can lend you a hand! Penn Street residential mortgage brokers are licensed in Pennsylvania (also known as Keystone State), Florida, Delaware, and Maryland.

If you are in one of those states and need help finding or refinancing a loan, don’t hesitate to give us a call!

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