Most of this county went up between 1900 and 1930, and most of it is still standing. Brick twins, porch-front rows, stone singles on the corner lots, and every one of them gets financed every week. Say which house and what it costs; a licensed Pennsylvania lender rings you back, usually the same business day.
The line gets answered at any hour, every day of the year. It says it is recording before you say a word, and nothing on the call touches your credit.
Every town page opens with the houses: the year, the type, what breaks. Then the money. What they sell for, the transfer tax on that side of the township line, and whether the county grant reaches there.
Delco was built once, mostly between 1900 and 1930, and then built again after the war out past the Blue Route. Both kinds get mortgages every day. The old ones just need a lender who has seen a sewer lateral before.
Upper Darby, Drexel Hill, Lansdowne, Clifton Heights, Yeadon, Darby. Brick, a porch, a shared wall, a slate roof somebody has patched twice. Knob-and-tube in the attic and a lateral nobody has looked at since the trolley was new. It's fine, it's fixable. Say it on the call so the lender hears it before the appraiser does.
FHA lends on a 1915 twin. The appraiser looks for peeling paint, a soft roof, a loose railing, a furnace that runs. What fails gets fixed before closing, credited by the seller, or rolled into a 203(k) so the loan pays for the work. The 2026 FHA limit in Delco is $630,200 for a single, which covers most of the county.
Transfer tax is 2% almost everywhere in Delco, 2.5% in Radnor, Upper Darby and Chester City, 3% in Upper Providence. Homeownership First puts up to $10,000 toward down payment and closing at 0%, repaid when you sell. Counseling first, the fund runs dry, and Chester City, Haverford and Upper Darby are outside it. The county reassessed in 2021, so a low millage rate here is a low rate on a real number.
In numbers: 2026 FHA limit, one unit $630,200Conforming limit $832,750Transfer tax, most of Delco 2%Radnor, Upper Darby, Chester City 2.5%Upper Providence 3%Homeownership First up to $10,000Last countywide reassessment 2021
Each one has its own page with the Delco version of the rules: limits, what the appraiser checks, what the county adds on top.
The phone gets answered at any hour, no menu and no queue. The form takes about a minute. Same questions either way: buying or refinancing, which town, what kind of house, roughly what price, how soon.
A 1920 twin in Lansdowne with a soft roof is an FHA-with-repairs conversation. A clean 1990s single in Garnet Valley is a different one. Getting that right before anyone calls you back saves everybody a week.
A licensed Pennsylvania lender, usually the same business day. No call by the day after? Ring us. We chase it. Nothing here touches your credit. The lender takes it from there: quote, pre-approval, closing.
About a minute. Say the town, the house and the number. We read it, and a licensed Pennsylvania lender calls you back, usually the same business day. Nothing here touches your credit. Rather talk? (484) 558-9670 works at any hour.
Read this before you type a phone number. Mortgage Delaware County, PA is a marketing and referral service; we are not a lender and we are not a broker. This form asks a licensed Pennsylvania mortgage lender to contact you about a home loan. It is not a loan application, nobody reviews your credit because of it, and it has no effect on your credit score. How this works.
Got it.
Here's what happens now. We read what you sent and write down what kind of loan it is. A licensed Pennsylvania lender calls you, usually the same business day. Nothing has happened to your credit. If the day after passes with no call, ring (484) 558-9670 and we'll chase it.
Usually, and when it does not the list is short and familiar: peeling paint on a pre-1978 house, a soft or leaking roof, a missing handrail, a furnace that will not run, water that pools against the foundation. The seller fixes it, credits it, or a 203(k) rolls the repair into the loan. Tell the lender what you saw in the basement; that is the useful part.
No. Nobody at this number can see a credit report, and nothing on this site touches your score. The lender runs credit later, when you decide to apply, and asks you first.
The line gets answered. Same questions, written down properly. A licensed lender follows up during business hours. No hold music, no menu. What it will and will not do.
Call and say so. The lender who rings back is licensed across Pennsylvania, so the county line is not a wall. The pages are a different matter: they carry Delco numbers, Delco transfer tax, Delco assessments, the county grant, because those change the moment you cross. Right numbers for this county, one phone number for all of them.
Say the town, the house and the number. A licensed Pennsylvania lender calls you back, usually the same business day. The phone works at any hour, and so does the form.
(484) 558-9670
