Conventional Loans – Backed by Fannie Mae and Freddie Mac, these loans have the LOWEST INTEREST RATES.  97% (3% down) financing is available with up to 3% seller assist on primary residences and second homes.  85% financing available with up to 2% seller assist on investment properties. These loans require Private Mortgage Insurance (PMI) on loans above 80% Loan-to-Value.

USDA Loans – Funded by the U.S. Department of Agriculture, these loans have no pre-payment penalty and no Private Mortgage Insurance (PMI).  100% financing is available with up to 6% seller's assist on primary residences only.  These loans are subject to income qualifications and property eligibility,

VA Loans – Offered by the Department of Veterans Affairs, these loans have no pre-payment penalty and no Private Mortgage Insurance (PMI).  100% financing is available with up to 4% seller's assist on primary residences only. These loans are limited to veterans, current military personnel, and spouses of deceased military veterans.

PHFA Loans – Funded by the Pennsylvania Housing Finance Agency, these loans have no pre-payment penalty, reduced credit guidelines and offer local down payment assistance programs.