Mortgage loans in Pennsylvania
Justin Mackler is licensed to originate home loans in Pennsylvania. Here is how a Pennsylvania loan works with him, which programs are available, and a few state rules worth knowing.
How a Pennsylvania loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Pennsylvania title or closing professional handle the appraisal and title work.
- Closings take place in Pennsylvania with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in Pennsylvania
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
PHFA's Keystone Advantage Assistance Loan provides a second mortgage for down payment and closing costs with eligible PHFA first mortgages, subject to eligibility. Pennsylvania Housing Finance Agency (PHFA)
Pennsylvania details to know
- Pennsylvania's state realty transfer tax is 1% of the property's value, and most localities add a local realty transfer tax, typically 1% and higher in some areas. Source: PA Department of Revenue: Realty Transfer Tax
- Buyer and seller are jointly liable for Pennsylvania realty transfer tax, though they may agree in the contract how to split it. Source: PA Department of Revenue: Realty Transfer Tax
- Pike County has a 2026 one-unit conforming limit of $1,209,750 as part of the New York metro area. All other Pennsylvania counties use the $832,750 baseline. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Pennsylvania purchase or refinance and he will follow up with real options.
Pennsylvania mortgage questions
Can Justin Mackler help with a mortgage in Pennsylvania?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Pennsylvania through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Pennsylvania?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Pennsylvania with a local title company, closing attorney or settlement agent, as state rules require.
How much is the transfer tax on a home in Pennsylvania?
The state charges 1% of the value, and most local governments charge at least another 1%. The buyer and seller usually split it by agreement, but both are legally liable.
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Share your goal, price or loan amount, credit range, timeline, and your Pennsylvania property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.