With Stonebridge Home Loans, you'll navigate the home buying journey with confidence from pre-approval to closing.
Home Purchase Loans in Bucks County
At Stonebridge Home Loans, we are committed to making the home buying process as easy as possible. For over 18 years, we’ve provided clients in Pennsylvania, New Jersey, and Florida with the knowledge they need to make educated decisions about buying a home. Our team helps to navigate the process so that you can have a sound financial future while enjoying your new home.
18 Years
Helping Home Buyers
NMLS #51417
Equal Housing Lender
9,400+
First homes closed
3%
Minimum down payment options
Get Your Free Rate Quote
No credit impact. A loan officer replies within one office day.
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Home Buying 101:
What Can You Actually Afford?
Use our calculator to see what you can actually afford as a first step help you start to understand what your payments may be based on the mortgage you need. Or, use any of the other tools we have available to make home-buying easier.
More Mortgage Tools Available:
What I Can Afford Calculator:
Estimated home price: $0
Based on a 30-year fixed loan and a 43% debt-to-income ceiling. Your actual number depends on credit, taxes, and insurance.
| Est. loan amount | $0 |
| Est. monthly payment (P&I) | $0 |
| Down payment | $0 |
Different Types of Mortgages:
First Time Home Buyer Loans
Access special programs and incentives designed to make purchasing your first home easier and more affordable.
Conventional Loans
Traditional Fixed Rate mortgages with terms available from 10 to 30 years.
Government Loans
Take advantage of FHA, USDA, and VA loan products.
Investor Loans
Invest in rental properties with a loan that focuses on the property's
income potential rather than your personal income.
Questions or want to talk to a loan officer? It's simple. Just contact us below!
Mortgage Terms to Understand:
Earnest Money
This is the good-faith deposit the homebuyer submits and gives to the seller to show they are serious. It is typically held in an escrow account. It is applied to the final purchase costs if the sale goes through.
Down Payment
This is usually between 3.5% and 20% of the home’s total cost, due when you settle the deal. The amount of the down payment can vary based on your income, credit history, and other factors. In some cases, there may be a zero-down payment loan option.
Closing Costs
These closing costs generally range from 1% to 3% of the total loan amount. This typically includes title insurance, escrow, and lender fees.
There is a lot to know when buying a home. At Stonebridge, we build mortgages around your budget. When you contact us, you'll talk to a real loan officer, and get pre-approved in as little as 15 minutes.
See Why We've Been Trusted for Over 18 Years
What You Need to Know About the Buying Process
When you’re thinking about buying a new home, you want to be as prepared as possible. Here’s a review of the process:
- Application: First things first: we’ll review your loan application as soon as it’s received so we can discuss the next steps.
- Pre-Approval: Once you’re pre-approved, we will provide our professional recommendations on which type of loan is best for your needs. An appraiser is then set to the home. You can also expect to receive your initial loan documents.
- Loan Approval: After you provide the necessary information, we will verify and approve your loan for closing.
- Closing: once you sign the closing documents, we will finish the necessary paperwork so you can get your loan and the keys to your new home!
Buying a Home? Contact Us Today
Stonebridge Home Loans is here to help. We have the experience you can trust to help secure the best home loan that suits your budget. Call us today at 215-357-7934 or reach out to us online to learn more.
FAQs About Mortgages
How is my mortgage payment determined?
In a traditional mortgage, there are usually three or four parts that constitute your monthly mortgage payment.
- The principal amount is the amount you initially borrowed for your home loan.
- Interest is charged on the original amount you borrowed for your home loan.
- Annual property taxes are also usually included in your mortgage payment.
- Your homeowners insurance and any other hazard insurance are included in your mortgage payment.
Should I opt for a fixed-rate or adjustable-rate mortgage?
The majority of home loans are fixed-rate. This is usually because people like a standard monthly payment, which allows them to budget their home expenses.r
What does pre-approval mean?
A standard pre-approval can help you determine how much you can afford before you start looking for a house.
What credit score do I need?
FHA loans start around 580, conventional loans typically around 620. If you’re below that, we’ll build a plan to get you there — it’s a conversation, not a wald
How much down payment do I need?
As little as 3% on a conventional loan or 3.5% on FHA, and potentially $0 if you qualify for VA, USDA, or a down payment assistance grant.
