Mortgage Broker in Pennsylvania
NMLS #2560393Licensed mortgage broker in Pennsylvania
Explore mortgage programs with a licensed broker who works with a wholesale lender. Serving Philadelphia, Pittsburgh, and everywhere in between across the Keystone State — mortgage guidance through a licensed broker.
The Pennsylvania mortgage market
Pennsylvania spans competitive urban and suburban markets around Philadelphia, a growing Pittsburgh, and fast-rising areas like the Lehigh Valley — a hot market for buyers relocating from higher-cost NY and NJ.
Whether you're buying a Philadelphia rowhouse, a home in suburban Bucks County, or property in central PA, we help you review available loan programs in a state that's relatively affordable compared with its neighbors.
What we offer across Pennsylvania
Services available in PA
- Conventional loansA mortgage not insured by a government agency, usually following Fannie Mae or Freddie Mac rules. Down payments can start at 3% for eligible buyers; less than 20% down usually means private mortgage insurance.
- FHA loansA mortgage insured by the Federal Housing Administration. It allows a 3.5% down payment with a 580+ credit score and more flexible credit guidelines, with FHA mortgage insurance. For a home you will live in.
- VA loansA mortgage guaranteed by the Department of Veterans Affairs for eligible veterans, service members and some surviving spouses. It can allow 0% down and no monthly mortgage insurance; a VA funding fee usually applies unless exempt.
- Jumbo loansA loan larger than the conforming loan limit set each year by the FHFA. Jumbo loans often ask for stronger credit, larger down payments and more cash reserves.
- Non-QM / bank statement loansLoans outside the standard qualified-mortgage rules, for example qualifying on bank statements instead of tax returns. Often used by self-employed borrowers; rates and down payments are usually higher.
- Cash-out refinancingReplacing your mortgage with a larger one and taking the difference in cash, for example for renovations or paying off debt. Your loan balance and payment may go up.
- Rate-and-term refinancingReplacing your mortgage to change the rate, the term or both, without taking cash out. Closing costs apply, so compare how long it takes to recover them.
- First-time homebuyer programsLoan options and down payment or closing-cost assistance programs for eligible first-time buyers, such as state housing finance agency programs. Income, price and other limits apply.
- Investment property loansMortgages for rental or other investment property you will not live in. They usually need a larger down payment and cash reserves, and rates are usually higher than for a home you live in.
All 67 PA counties served
Pennsylvania housing market
Government and Freddie Mac data, updated as each source publishes.
- Home prices, past yearChange in the Freddie Mac House Price Index for State of Pennsylvania, which tracks repeat sales and refinance appraisals of the same homes. It covers the whole metro area, not only this county. Past changes do not predict future prices.
- +5.1%
- July 2026 vs a year earlier · +34.9% over 5 years
- Home purchase loans, 2025First-lien and other mortgages made to buy a home, as reported by lenders under the Home Mortgage Disclosure Act (HMDA) and published by the CFPB. Cash purchases are not included, so this undercounts total sales. Published once a year.
- 123,644
- +3.1% vs 2024
- Average purchase loan, 2025Total amount of the home purchase loans reported under HMDA divided by their number. It is a loan size, not a home price: it leaves out down payments.
- $308,493
- FHA and VA share of loans, 2025Share of the conventional, FHA and VA mortgages made that year (purchase and refinance) that were FHA or VA loans, from HMDA. A higher share usually means more low-down-payment and first-time buyers.
- 14.0%
- 26,453 FHA · 11,598 VA of 271,573 conventional, FHA and VA loans made
- Refinances, 2025Refinance loans made that year, from HMDA: rate-and-term (a new rate or term) and cash-out (borrowing against equity).
- 79,262
- 45,350 rate-and-term · 33,912 cash-out
- New homes permitted, last 12 monthsHousing units authorized by building permits (single-family and multi-family), from the Census Bureau's Building Permits Survey. New construction adds to future supply.
- 25,848
- +3.5% vs the year before · 2,210 in August 2026
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Sources: Consumer Financial Protection Bureau, HMDA data (loans originated); U.S. Census Bureau, Building Permits Survey; Freddie Mac House Price Index (FMHPI). Figures describe the past and are for general information only; they are not an appraisal, a forecast or an offer of credit.
Pennsylvania mortgage FAQ
Are you licensed to originate mortgages in Pennsylvania?
Yes. Ai Remco LLC is licensed in Pennsylvania (NMLS #2560393) and serves Philadelphia, Pittsburgh, the Lehigh Valley, and all 67 PA counties.
What types of home loans do you offer in PA?
Conventional, FHA, VA, Jumbo, Non-QM / bank statement, cash-out and rate-and-term refinance, first-time homebuyer programs, and investment property loans.
How does working with a broker compare to going straight to a bank?
A broker works on your side of the table. We price your scenario against wholesale lender guidelines, structure the file to fit, and manage underwriting conditions and your closing timeline for you.
Do you work with PHFA first-time homebuyer programs?
Yes. We help eligible Pennsylvania buyers access PHFA programs and other down-payment assistance options.