For residents of West Chester, PA, Artisan Mortgage Company offers a wide variety of home financing products including USDA, VA and FHA home loans.
The loan experts at Artisan Mortgage understand that every borrower in West Chester, PA is different and one home loan doesn't fit all situations.
Artisan Mortgage Company offers a variety of home financing options in West Chester, PA throughout County from traditional 30 year fixed rate loans to low and no money down mortgages for low income or first time buyers.
Call 1-800-499-0141 today to speak with the loan specialists at Artisan Mortgage, prequalify here, or fill in the fast, simple, free rate quote form on this page to find out about financing options that might work for you.
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Whether it's a 30 year fixed rate FHA loan on a home in West Chester, PA or an adjustable rate mortgage for a condo, Artisan Mortgage Company can help you find the perfect home loan product for you.
At AMC, we understand how nerve-wracking the process can be, with all the paperwork, appraisals, and inspections. So relax and let our experienced (and very friendly) mortgage pros do what they do best. They’ll explain all your options, find the very best interest rates in, and make sure you close as quickly as possible.
103% & 107% Conventional loans
These are "A" customer conventional loans that not only require no down payment, but also have 3% or 7% to pay closing cost and pre-paid items.
Artisan Mortgage offers personalized service by offering:
The Underwriter will review and analyze your processed package and either approve, deny, or suspend your application. The underwriter will take into account your income, qualifying ratios, credit history and cash reserves.
As you have more inquiries into your credit history, it shows that you rely on credit, and your score lowers. Having a great number of inquires can indicate you have financial problems.
Choosing the right type of home loan in West Chester, PA depends largely on your unique financial situation. Call a AMC debt specialist to learn more about the pros and cons of these programs as they pertain to your profile. If all things were equal, the best strategy for accessing your home equity is through refinancing your first mortgage. With a home equity, the borrower knows what the monthly payments will be for the life of the loan.
This is a fee that may be charged on a loan that is paid off before a specified period of time. If it has a prepayment penalty it is specified in the note.
Here are just a few of the many loan programs available to West Chester, PA residents from Artisan Mortgage Company.
As you learn more about what AMC has to offer, you will realize the advantages of choosing to do business with one of Pennsylvania's strongest community brokers. Our dedication to quality is evident in everything we do. We realize that with every transaction, we have another opportunity to demonstrate our strong commitment to customer service.
What is an Interest Only loan?
The interest payment is only required, however you may pre-pay principal as much as you desire. Payments are much lower than fully amortized payments and you qualify with the interest-only payment which dramatically increases your purchasing power. These loans may be a good choice if you are disciplined with your finances and understand the potential risks.
This loan program is used to assist moderate and low-income home buyers in West Chester, PA to obtain a home of their own. Some closing cost can be paid by the seller (usually up to 3% of the loan amount). This program has a limited geographic area in which it can be used.
These loans offer higher debt to income ratios and are in general easier to qualify for. These types may be best suited for the consumer that wants to take advantage of the lowest rate they are able to qualify for now and refinance after an 24 to 36 month period.
There are thousands of web pages out there that were created to sell mortgages to the individual seeker as well as brokers and bankers. The good pages among them are clear and concise, and will give you some limited information on the process, as well as important additional information such as current interest rates and mortgage calculators. The data they provide is useful but by no means complete.
Housing Market Overview (2018)
Home Equity Line of Credit (HELOC)
Securing a equity line of credit is a smart way to capture the value of your house now for use later for unexpected expenses, repairs, or just a family vacation.
Because we are locally owned and operated, Artisan takes great pride in the fact that key decisions concerning loan approvals are made right here. Get more details about a smooth and hassle-free home loan lending experience in West Chester, PA that offers flexible terms and low monthly payments.
If you didn't have a 20 percent down payment when you bought your home, you are probably among the many owners who pay mortgage insurance every month.
Our unique processing procedures are continually revised and refined in order to cut paperwork to the bare minimum.
Call the loan specialists at Artisan today for a free mortgage assessment at 1-800-499-0141, or fill out the short rate quote form for current pricing.
At AMC our professionals are easily accessible to the customer. We strive to ensure that all loan applications are subject to prompt review and quick processing.
The lending professionals at AMC understand the responsibility of financing your home.
If you're planning a home purchase in West Chester, PA search for competitive rates on mortgages for your next purchase or refinance, including FHA, VA, USDA and 203k loans with Artisan Mortgage Company throughout County.