If you are searching for a premier mortgage broker that can help with your Scranton, PA home loan – look no further than Artisan Mortgage Company.
Start your search for low Scranton, PA mortgage rates right here and learn more about adjustable rate mortgages, jumbo, VA and FHA loans, or talk to Artisan Mortgage about refinancing rates and options.
Whatever your home financing needs in Scranton, PA (and nearby areas of Dunmore, Carbondale, Old Forge, Archbald, Blakely or Taylor) may be, our experienced mortgage brokers will work hard to get you the right loan at a competitive rate throughout Lackawanna County.
In December 2022, the median listing home price was $159.9K, up 14.2% compared to last year.
Take the first step with a call to Artisan Mortgage at (833) 844-0141, fill out the mortgage prequalification to get started, or complete the short form on page and submit for a rate quote!
Artisan Mortgage Company has established relationships with some of the most trusted and respected mortgage lenders in Scranton, PA and we are able to offer you a vast menu of home loan programs to achieve all your financial goals. We also have the ability to offer some of the lowest rates available in this highly competitive business.
Popular Programs:
What is Second Mortgage?
Working like a credit card, the homeowner is approved to borrow a set amount, which they can use however they wish. The full amount approved does not have to be used and the borrower only pays for the money they use.
Loan Options
AMC offers a variety of mortgage, home equity and home improvement loans in Scranton, PA to suit virtually any borrowing need.
We promise:
Legal Description of the Property
This is the description of the property that is recognized by law and in the county where the property is located. The description makes it possible to specifically and uniquely identify and to locate the property securing the loan.
Construction Loans
With our popular construction / permanent loan, you save closing costs, because only one closing is needed. Along with efficient personal service, your application can be processed in days, not weeks.
Artisan Mortgage is licensed to originate residential home loans in Scranton, PA throughout Lackawanna County including:
Speedy Service
Prompt, attentive customer service minimizes the time to close. At AMC we'll work on weekends to make sure your loan closes on time.
Home Loan Programs
Here are the common mortgage loan programs in Scranton, PA available for home purchase or refinance throughout Lackawanna County:
Processing
During processing we ensure that all proper documentation has been obtained and verified to meet the conditions from the preliminary approval. Immediately upon application you are sent a Good Faith Estimate of settlement costs, a Truth in Lending Disclosure, and other information and documents pertinent to your transaction. You should carefully review these documents, sign and return them promptly. A Property Appraisal and Title Search are ordered and verifications are often sent to your bank and your employer.
When will an appraisal be done on my house?
After your loan has been approved and we have reviewed it and any additional needed items with you, we will order the appraisal from a local appraiser. You will pay the appraiser directly for their services.
How do I know what home loan program in Scranton, PA is best for me?
Choosing your program can be difficult. After selecting your preferences during the application process, our Loan Officer will be happy to provide you a personal consultation to select the option best suited to your needs.
Established Credit Length
The longer you’ve had established credit, the more your score improves. As your credit report gets longer through the years, lenders see that you have a history with patterns.
Borrower
The borrower (and co-borrower) is the person who will have the beneficial ownership of the property and will be obligated for repayment of the loan.
5/1 ARM
An adjustable rate mortgage that is fixed for the first five years and may adjust to a higher rate each year thereafter for the remainder of the term with pre-set limits and caps.
Credit Management
Your credit rating comes down to a couple of key factors: DTI ratio and FICO score.Your DTI is your debt-to-income ratio. It is the amount of income you have left after you make all of your minimum monthly loan payments. The FICO formula takes relevant items in your credit history and calculates a score from 300 to 850.
The purpose of this web site is to take the individual seeker through the entire mortgage process. We will take you on a step-by-step journey, clearly describing all of the aspects of the process.
Housing Info (2018)
Need information on city services or the local government? This city site has local government information: www.scrantonpa.gov If you're looking for a events calendar, this website provides one along with information on upcoming events.
Credit Management
How can AMC afford to offer higher levels of customer service than the competition and still provide low rates? Great rates and great service translate into life-long customers, repeat business, and referrals - so striving to be the best simply makes good business sense.
If you have a volatile loan you should consider refinancing mortgage in Scranton, PA to a more stable loan program. For many borrowers, their income and credit rating are in a stronger position since they first applied for a loan, and now they can take advantage of refinancing for more secure terms and rates.
We are a community broker with a focus on personal attention to you, our customer. We will always endeavor to recognize you and provide fast, friendly and helpful service. We offer a complete array of basic home loan products and services for your personal and/or business needs.
We are a service business, with everything that entails. We will go the extra mile and take the extra time necessary to fully explain and clarify this otherwise confusing process. We really don’t mind if your loan is small, large or just plain difficult, we can and will help you!
Call one of our residential loan consultants today at (833) 844-0141
We have been established in Pennsylvania and have an extensive knowledge of the local Real Estate Market. Unlike other financial institutions, we don't take a cookie cutter approach to real estate financing. Instead our goal is to be flexible and tailor the loan to meet your specific needs.
Artisan Mortgage Company is a leading source for homeowners and home buyers in Scranton, PA looking for a low-rate mortgage, including USDA, FHA, 203k, VA, first time buyer and renovation loans throughout Lackawanna County.
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