What this site is
One county, and the houses in it. Most mortgage sites are written for anywhere, so they skip the parts that decide a Delco settlement: the resale inspection, the lateral certificate, the transfer tax on that side of the township line, what an appraiser writes up on a 1915 twin. Every page here is built off the township's own numbers and says where each one came from. That's the whole idea. Delaware County houses: what breaks, what it costs, and what the loan looks like on one.
No offices. No staff photos. A phone line that gets answered, and a website with strong feelings about transfer tax.
What happens when you call
You call, or you send the form. The line asks about ten questions: buying or refinancing, which town, roughly what price, when, and how your credit looks from where you sit. Then a licensed Pennsylvania mortgage lender calls you back, usually the same business day. Pre-approval, rates, paperwork, closing: the lender's, start to finish. If the lender goes quiet, call us and we'll rattle the cage.
What stays with the lender
Applications. Rate quotes. Anything with the word "approved" in it. Those belong to the licensed lender who calls you, and nothing on this site changes that. If a sentence here ever reads like a promise about your rate, read it again. It says "estimate", and it says "ask the lender".
How the money works
The lender pays us for the marketing work: this site, the phone line, the pages. You never pay us a cent. What the lender pays has nothing to do with your loan amount, your rate, or whether you close. It's on every page because people ask, and they should.
Why old houses
Because that's what Delco is. Twins from the 1900s and 1920s in Upper Darby and Drexel Hill. Brick rows in Clifton Heights and Darby. Stone singles in Springfield and Wallingford. Older than your grandmom, a lot of them, and mostly fine. Knob-and-tube: fixable. Peeling paint on the porch: the FHA appraiser writes it up, and it's fixable. A soft roof: fixable, and there's an FHA loan that rolls the fix into the mortgage.
The money side has Delco quirks too. The county reassessed every parcel in 2021, so "low millage" on a listing means less than it used to. Four municipalities charge more transfer tax than the other forty-five. Homeownership First puts up to $10,000 toward a first purchase, except in Chester City, Haverford and Upper Darby. Better you hear all of it here than at the closing table.
Who answers the phone
Every call, every hour. The first thing you hear is that the call is recorded, because Pennsylvania wants everybody on a line to know before a recording starts. It asks the questions, reads the callback permission out loud in full, and then a licensed lender rings you. It won't pretend to be a person, won't quote a rate, and won't tell you a loan is approved. Every call gets checked afterwards against exactly that list. No voicemail, no hold music.
On paper
Mortgage Delaware County, PA. Phone (484) 558-9670, and a mailing address on request. The whole arrangement, who does what and who pays whom, is written out on how this works. The small print lives in the terms of use, the privacy policy and the communications consent page.