Pennsylvania Mortgage Quote — FHA, Conventional & VA Rates

Fill in your details — we'll recommend the best loan type and compare all your options side-by-side. Pennsylvania purchase loans only. This is an estimate, not a preapproval or commitment to lend.

Property

How will this property be used?

Your primary residence — where you'll live. FHA, Conventional and VA all available.

Your quote updates instantly as you type ↓

Purchase Price ($) County (Pennsylvania)

Annual Property Tax ($)

~1.14% of price (PA average). Replace with the actual amount if you have it for the property.

Monthly HOA ($)

Annual Homeowners Insurance ($)

Borrower

Credit Score (FICO)

Estimate is fine — check Credit Karma, your bank app, or a recent credit card statement. If you're applying with a co-borrower, use the lower of the two middle scores.

Income Type

First-time homebuyer Generally, you haven't owned a primary residence in the last 3 years.

VA-eligible (active duty, veteran, or qualifying surviving spouse) VA loans typically offer the best deal — no down payment required and no monthly mortgage insurance.

Combined Household Qualifying Income (gross monthly, $)

Total gross monthly income of all borrowers on the mortgage.

Expected Monthly Rent ($)

Market rent the property is expected to bring in. We add 70% of this to your qualifying income for the debt-to-income calculation — a conservative estimate of what underwriting will credit.

Total Monthly Debts ($)

Car payments, credit cards, student loans, other minimum monthly payments.

Loan

Down Payment

FHA minimum is 3.5%.

VA Details

VA Loan Use

First-time use has a lower funding fee (2.15% with $0 down). Subsequent use is 3.30% with $0 down.

VA service-connected disability rating of 10% or more If yes, your VA funding fee is waived (saves thousands).

Your Options at a Glance

Recommended program is highlighted. Click any card to view its full quote and fee worksheet below.

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Recommended Viewing

FHA

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Recommended Viewing

Conventional

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Recommended Viewing

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Detailed Quote — FHA

Adjust the rate below, then click Save / Print Quote to download a fee worksheet you can share.

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Rate

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APR

FHA · 30-Year Fixed · 30-Day Lock

Best pricing across Mountain Mortgage's lender network

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Rate Options

Fine-tune the rate

Loan Amount—

Principal & Interest—

Mortgage Insurance—

Property Tax—

Homeowners Insurance—

HOA—

Total Monthly Payment—

Estimated Cash to Close—

Qualification—

INITIAL QUOTE WORKSHEET

Paul London · NMLS #1578675 · License #93926

(484) 469-5070 · paul@mountainmortgage.us · mountainmortgage.us

Prepared for: —

Date: —

Quote #: —

This is an estimate, not a preapproval or commitment to lend. Final rate, APR, payment, and costs depend on full underwriting.

Loan Type—

Term30 Yr Fixed

Lock30 Day

Rate—

APR—

Purchase Price—

Down—

Loan Amount—

Credit Score—

County—

Estimated Monthly Payment —

Estimated Cash to Close —

Lender Fees—

Commitment Fee—

Originator Compensation (2.00%)—

Third Party Fees—

Services You Cannot Shop For

Appraisal Fee—

Credit Report Fee—

Flood Determination—

MERS Registration—

Tax Service Fee—

Services You Can Shop For

Title — Lender's Title Insurance—

Title — Settlement Services—

Title — Closing Protection Letter—

Title — Endorsement Fee—

Title — Municipal Lien Search—

Title — Owner's Title (Optional)—

Estimated Monthly Payment—

First Mortgage P&I—

Homeowner's Insurance—

Property Taxes—

Mortgage Insurance—

HOA Dues—

Taxes & Government Fees—

PA State Transfer Tax (0.5%)—

Local Transfer Tax (0.5%)—

Recording Fee — Deed—

Recording Fee — Mortgage—

Prepaids & Initial Escrow—

Prepaids

Hazard Insurance (12 mo)—

Prepaid Interest (15 days)—

Property Taxes (9 mo)—

Initial Escrow at Closing

Hazard Reserve (3 mo)—

Property Tax Reserve (3 mo)—

Estimated Cash to Close—

Down Payment—

Lender Fees—

Third Party Fees—

Taxes & Government—

Prepaids & Escrow—

What the jargon means

Originator Compensation — the broker's fee for arranging your loan (2% of the loan amount), shown here as a closing cost. FHA Upfront MIP (UFMIP) — a one-time FHA insurance premium of 1.75%, almost always financed into the loan rather than paid in cash (the "Less: UFMIP Financed in Loan" line gives it back). VA Funding Fee — the VA's one-time program fee; waived with a service-connected disability rating of 10%+. Monthly MIP / PMI — monthly mortgage insurance. FHA's MIP typically runs the life of the loan; conventional PMI drops off at 20% equity. Tax Service Fee — covers the service that confirms your property taxes are paid correctly over the life of the loan. Rate Buy-Down — optional points paid at closing to lower your rate; 1 point = 1% of the loan amount.

Qualification—

This estimate is provided for illustrative and informational purposes only based on the basic loan scenario provided. This is NOT a loan approval, preapproval, or commitment to lend. Rate, APR, payment, and closing costs are estimates and subject to change. Final rate and terms are determined by full underwriting and depend on credit, income, asset, and property verification. Until your rate is locked, all quoted figures may change. Mountain Mortgage · NMLS #2336068 · Paul London NMLS #1578675 · Equal Housing Opportunity.

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Pennsylvania Mortgage Quote — FHA, Conventional & VA Rates

Property

Borrower

Loan

VA Details

Your Options at a Glance

Detailed Quote — FHA

One quick step