Residential Mortgage Broker in West Chester
Pennsylvania | Delaware | Maryland | Florida
The Process
GET TO KNOW YOU
The first step we take with our clients is sitting down one-on-one to understand your goals, finances, and timeline. Our relational approach to customer service is key to providing our client’s a streamlined and comfortable transaction. We’ll get you pre-approved fast, so you have the knowledge to search for a home you love — and are pre-approved to buy.
UNDERSTANDING YOUR OPTIONS
As mortgage brokers, we have access to multiple financial products and rate sheets to get you the best deal available. We’ll walk you through the various programs available, providing you with the pros and cons of each financing option. We want to ensure our clients have the right fit for their finances.
PACKAGE UP A WINNING OFFER
We do more than just educate our clients — We want to be one of the reasons they win the over. That’s why we’ll 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. Throughout the process, we’ll communicate with both the buyer and seller’s agent and walk them through everything we’ve done to preapprove you. They’ll feel secure knowing your financing is a sure thing.
CLOSE WITH CONFIDENCE
On closing day, we’ll be right there to walk you through the closing paperwork and celebrate with you. The relationship doesn’t stop there, though. Even after closing, we’re a resource for you throughout the length of your loan.
At Penn Street, we take pride in the relationships we’ve built and the clients we’ve helped.
FREQUENTLY ASKED QUESTIONS
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!