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Refinance Your Mortgage
Refinance your mortgage now to lock in a low rate. Save money on future payments, plus you can take out money too. Pay off bills, put an addition onto your home, or whatever you'd like.
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VA Mortgages In State College
We're proud to offer current service members, veterans, and eligible surviving spouses in State College, PA and the Centre County region this mortgage loan product, a VA home loan.
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Your Dream House Is Closer Than You Think
Conventional mortgages, VA loans, FHA mortgages, USDA mortgages, mortgage refinances, home equity loans, reverse mortgages... we're Pennsylvania mortgage experts, and we have the right mortgage for you. Let's get started - you may even qualify for special programs!
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Get a Mortgage Loan
Contact us to learn about how much house you qualify for! You may even qualify for special programs.
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Our team is located in State College - in the heart of Pennsylvania. We're experts in getting mortgages for our clients the keystone state!
What Mortgage Do You Need?
We specialize in helping our clients in State College and beyond to get the mortgage that is best suited to their needs. Whether you're looking for a home mortgage, a mortgage refinance, reverse, VA or any other type of mortgage - let's talk about the one that's right for you!
Our Mortgages
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Apply now with our easy to use application system. In a few short steps, you'll be on your way to a new home!
FHA Mortgages
An FHA mortgage is for EVERY home buyer, not just first time home buyers. This great loan program has a low down payment of 3.5% and allows for up to 6% seller assistance towards closing costs if negotiated. Find out today if an FHA mortgage is the right program for you!
USDA Mortgages
USDA mortgages provide low and moderate income rural residents with better access to affordable housing finance options. It's a 100% loan: no down payment is needed for existing homes or new construction located in an eligible rural area.
VA Mortgage Loans
VA mortgage loans are available to Veterans and their legal spouses with a VA-issued COE. This mortgage requires no down payment, has low interest rates, requires no mortgage insurance, and has no prepayment penalty.
203K Renovation Loans
The 203K Streamline loan program offers borrowers the resources to rehabilitate a home that may be in need of repair. This loan can be used for large projects i.e. large room additions, mother in-law quarters, garages, sunrooms, upgraded kitchens, etc.
Reverse Mortgages
If you qualify for this mortgage, you'll actually be receiving rather than making mortgage payments. You get to stay in your home and the payments you'll receive can be used for whatever you'd like. Give us a call to speak with one of our Mortgage Brokers to see if a reverse mortgage may be right for you!
Mortgage Refinances
Whether you want to consolidate your debt, lower your interest rate, remove mortgage insurance, or free up funds for home improvements, a refinance can be set up to accommodate various borrower needs. Refinances are available in all loan programs.
One Time Close Construction Loans
Many American’s dream involves the perfect piece of land and the home built to their specifications. A One Time Close Construction Loan allows the borrower to finance both the land and construction with one loan instead of multiple.
Conventional Mortgages
Conventional mortgages are used for both purchase and refinance purposes and allow for 3% seller assistance towards closing costs with as low as 5% down payment or 6% seller assistance with a down payment of 10%.
First Time Home Buyers
We specialize in helping walk first time home buyers through each step of the mortgage process. Taking care to answer any questions along the way, we ensure the process is positive and painless. Contact us to start your home buying journey!
How Much Do You Qualify For?
We can tell you how much mortgage you qualify for. Contact us to learn more.
Happy Homeowners Start Here
We're Principle Home Mortgage - a full service Pennsylvania mortgage broker offering the loans that will fit your needs.
Our offices are located in State College, and we have decades of experience in Pennsylvania mortgages. Our mission is to provide exceptional customer service for all borrowers no matter the situation.
How much home do you qualify for? Are any special programs available to you? Let our mortgage experts get you answers.
Contact us today at 814-308-0959 - we specialize in helping you find the perfect mortgage - whether you're in State College or anywhere else in Pennsylvania.
Testimonials
Last March, my husband and I began shopping for a home in our new community. We were shocked to find a law firm in New Hampshire incorrectly filed a deed disqualifying my husband for a FHA or VA loan. Where other mortgage companies told us to "live with it" or told us there is nothing we could do, Shane looked at our situation as a new challenge.
If it were not for Shane and his unwavering support of us through the process of resolving our issues with FHA, we would not be living in our lovely home today.
Shane from Principle Home Mortgage, LLC did an excellent job making the home-buying process as easy as possible for my family. As first-time homebuyers, we were very unsure of the process and were concerned about many different parts of the process. Shane guided us through every step and was always available to answer questions, even those that were not "normal" questions for a mortgage broker. He was always extremely friendly and always acted promptly to keep the process moving smoothly. I am very glad we chose Principle Home Mortgage for our home-buying experience! I would highly recommend them to anyone looking to buy a home.
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Our Blog
A Look At State College VA Home Loans
VA home loans in State College are one of the best ways to finance a home purchase. Available to eligible veterans and their spouses, these mortgages are backed by the Department of Veterans Affairs.
Step-By-Step Guide to Saving Money as a First Time Home Buyer
As a first time home buyer, you'll want to prepare for the process. Our first time home buyer guide is a great place to start!
First Time State College Home Buyer Mortgage Tips: Navigating the Home Buying Process
Navigating the home buying process - in State College or anywhere in Pennsylvania - can be complex. In this article we examine some 'inside tips' to help get you a great mortgage for the home you're dreaming of.