When you need financing or refinancing in Pennsylvania PA for a new home, second, or vacation home, Artisan Mortgage Company has a loan to meet your needs. Our knowledgeable and experienced Pennsylvania mortgage brokers will guide you each step of the way and keep you fully informed throughout the process. Whether you're looking to purchase a colonial home in Pittsburgh, a townhouse in Harrisburg or apartment in Philadelphia, we will work with the best mortgage lenders in Pennsylvania PA to find you the right home loan program at the lowest rates including USDA, FHA, VA, bad credit, home improvement, construction and equity loans.
With competitive mortgage rates, quick approvals, a variety of flexible products and service at your convenience, let us be your broker for life. Call an Artisan Mortgage representative toll-free at, 1-800-499-0141, prequalify for a loan or complete the form on this page to receive current pricing for your scenario.
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FHA Loan Information
Whether you are a first time home buyer or are looking to cash-out some of the equity in your home, there are some great advantages to consider with FHA loans in Pennsylvania PA and we have many options to choose from. We offer 30 year FHA loans, 15 year FHA mortgages, and 5/1 FHA ARM loans to residents. Call today to see if an FHA loan makes sense for your next purchase or mortgage refinance.
We take pride in our mortgage programs and the services provided to our customers. Depending on what you'd like to finance - house, vacation, education or anything else - you are assured of receiving personal, concerned interest toward your loan request.
Take a minute to review some of the options below, then fill out the form and give us a call. Our specialist will work with you to determine your eligibility for one or more of these mortgage programs.
First Time Home Buyer
Buying a house can be one of life's most stressful experiences; however, our highly experienced mortgage brokers can help you select the right type of home loan.
Unlike many lenders, it is our goal for every customer transaction to be completed in 14 days or less! Our processing staff is subject to certification and re-qualification. Honesty and integrity are core values at Artisan Mortgage Company.
If you are looking for your first household, we can provide a loan to fit your specific needs. For help in determining how much you can afford to borrow, or how much your monthly payment would be, just contact us today.
We will provide:
Home Equity Loans
Competitive rates and simplified application process with home equity loans in Pennsylvania PA will give you access to the equity you have built and earned in your home.
Fixed 30 year Mortgages
In exceptional cases where the client is willing to pay a significantly higher interest rate and has exceptionally good credit a mortgage of up to 107% of the value of the home can be obtained.
Adjustable Rate Mortgages (ARM)
The initial mortgage rate can be fixed for periods as short as 6 months or as long as 10 years depending on the interest rate the client wishes to pay. After the initial period is completed, this is recalculated using an index and a margin which was agreed upon by the lender and client.
The margin is an amount specified by the lender. This amount is added to the index to determine what your new interest rate will be. The margin is usually a fixed amount, however some lenders do have margins which adjust.
Products designed for our customers include:
7/1 ARM Mortgages
An adjustable rate mortgage that is fixed for the first seven years.
2/28 ARM Loans
These loans offer higher debt to income ratios and are in general easier to qualify for. This is an adjustable mortgage that has a fixed interest rate for the first two year period.
When buying a house or refinancing existing mortgage check out twelve of our most popular home loans in Pennsylvania PA:
With USDA loans in Pennsylvania PA, qualified borrowers are able to get 100% financing on their new home. USDA loan is based on the house appraised value. To learn more about USDA loan, contact our experienced loan officers today.
The price of life’s necessities can add up. Turn to us for Personal Loan solutions that can help you with those purchases. Buying a personal or commercial property, growing a business, whatever your financial needs may be, Artisan Mortgage Company is the best place to start.
We also place great emphasis on maintaining a trusted and knowledgeable team of employees dedicated to delivering exceptional service with a carefully planned blend of high technology and "the personal touch".
This option has a lien position subordinate to the first mortgage. Sometimes homeowners will "refinance" their first loan if they have available equity they want to use. This just means they repackage their first mortgage for a new amount with new terms, either to get a lower monthly payment or to cash out the equity in their home. Refinancing was very popular from 1999 until 2003 when the United States benefited from historically low interest rates. However, with rates returning to normal levels, homeowners are now looking to second options such as HELOC’s instead of refinancing their first.
Home Equity Loans and Lines of Credit (HELOC)
We give you ready access to a variety of loan options based on the equity you have in you house. Interest rates on these loans are typically tied to the prime-lending rate (published daily by the Wall Street Journal) which makes these loans true adjustable mortgages, as the interest can vary from month to month. These loans can be obtained with or without using income proof dependant on the clients willingness to pay a higher interest.
Residential Construction Loans
We offer flexible finance options with construction and home improvement loans in Pennsylvania PA so you can build house to suit your needs. A construction home loan is made to individuals and businesses for the construction of residential and commercial properties. Contact a Artisan construction loan office for more information.
At Artisan, we offer:
Residential Mortgage Loan Originator
If your situation is not addressed above, please contact our Residential Mortgage Loan Originator (MLO) for assistance. That includes conventional conforming and non-conforming loans and special programs for first-time buyers. Our CEO and staff are also your neighbors, friends and associates. We take pride of serving our communities with both our time, talent and loan funds.
We deliver premium, personalized banking service that you can depend on. Making your banking experience rewarding and productive is our primary focus. Our customers appreciate the personalized treatment they receive from our staff.
If you are a new borrower or don’t have much credit history, it is sometimes a struggle to convince lenders to extend credit to you. But with us – that’s no problem. We have loan products for people with very little credit history and for those looking for their first loan.
Great trees, a nearby park, convenient location. You have found the ideal building site; now obtain the financing to make it yours.
Housing Market QuickFacts (2018)
The home values have gone up 4.2% in 2017 and the median value is $167,700.
We are ready to create a customized lending package that meets your specific requirements. Contact us today to learn more about the many ways we can finance the purchase of your property.
Our loan officers can help you refinance mortgage in Pennsylvania PA at a competitive interest rate whether you are looking to lower your interest rate, reduce your repayment period, or cash-out some of your equity to pay off other debts or build an addition on your home.
A refinance loan can be used to pay off your first home loan with the proceeds from your new loan using the same property as security.
We even have FHA loans which may allow you to refinance to a higher loan-to-value limit than through other financing channels. Call 1-800-499-0141 to discuss your financing options.
How can you keep up to date on the mortgage interest rate market? Even easier, sign up and let us keep you up to date by delivering it to your e-mailbox. Just provide your e-mail address in the space below to start receiving this free biweekly informational newsletter.
We understand that nobody's perfect. That's why we have real, practical solutions that we've created for real people - just like you! We'll help you get out of debt and back on your feet by taking the time to listen and understand your unique situation. Don't put it off another day -- contact us today!
With many loan programs in our portfolio, we can assist you find relief from credit card debts and high interest rates. By consolidating your debts into one low monthly payment, we can save you hundreds of dollars each month. Use the extra cash you'll earn for house repairs, your kids' college funds, a well-deserved vacation - it's your money.
We have all types of loans: Single Family Residential & Condominiums, Multi-Units, Aggressive Non-Owners, Construction Loans, Rehab and Financing on Second.
All loans in your name for the past number of years including: type, date, amount of loan, amount owed, and payment history. This information is gathered from companies that you’ve borrowed money from so that other lenders can make an informed decision about your creditworthiness.
We are committed to providing a full range of loan products that you have come to expect, plus a little extra. We are proud to serve your community and we would be honored to be your broker.
These are challenging times for many people. At Artisan we realize that many home owners are dealing with hardships and we are determined to help qualified borrowers stay in their homes.
We offer personalized service and work within your schedule to meet after hours or even on weekends. Contact us at 1-800-499-0141or fill out the form today to get started! We invite you to apply online from the convenience of your house, or schedule a meeting with one of our mortgage professionals.
Artisan Mortgage Company is a premier mortgage broker offering low rates, home loans and refinancing in Pennsylvania PA including USDA, FHA, VA, bad credit, construction, home improvement and equity loans.