# Mortgage Delaware County, PA > Mortgages for Delaware County's twins, rows and stone singles. The line gets answered at any hour, every day of the year. Mortgage Delaware County, PA is a marketing and referral business covering one Pennsylvania county. It is not a lender and it is not a mortgage broker. Applications, rate quotes and credit decisions belong to a licensed Pennsylvania mortgage lender, and none of the three happens at this number. The lender makes the call back. This is a one-county site and the houses are old. Most of Delaware County went up between 1900 and 1930, so the pages carry what an appraiser and an insurer actually do about that, municipality by municipality. Every number has a date and a source. No interest rates anywhere. Phone: (484) 558-9670 Coverage: Delaware County, Pennsylvania Sitemap: https://mortgagedelco.com/sitemap-index.xml ## Where to start - [Mortgage Delaware County, PA](https://mortgagedelco.com/): Delco mortgages, and what a hundred-year-old twin does to a loan file. - [How this works](https://mortgagedelco.com/how-this-works/): what happens between ringing the number and a lender ringing back, and the things the line will not do. - [Contact](https://mortgagedelco.com/contact/): the 484 number, the write-in form, and the county line these pages stop at. - [About](https://mortgagedelco.com/about/): who writes these pages and where the Delco figures come from. ## Old-house guides What the appraiser flags, what the township wants at settlement, what the 2021 reassessment did. - [What an FHA appraiser flags in a 1920s Delco twin](https://mortgagedelco.com/old-houses/fha-appraisal-old-twins-delco/): The items HUD's handbook actually makes an appraiser write up on an old twin or row, who usually fixes each one before closing, and when a 203(k) is the answer instead. - [Homeownership First and the towns it skips](https://mortgagedelco.com/old-houses/homeownership-first-delaware-county/): The $10,000, the income and asset limits, the counseling hours, the 27 towns where the loan is forgiven, and the three municipalities that run their own programs instead. - [Transfer tax in Delaware County](https://mortgagedelco.com/old-houses/delaware-county-transfer-tax/): The 2% standard, the four municipalities that charge 2.5% or 3%, the customary 50/50 split, the family exemptions, and what the difference costs on two real Delco medians. - [The 2021 reassessment and your tax bill](https://mortgagedelco.com/old-houses/delco-2021-reassessment-explained/): What the 2021 reassessment did to values and rates, why three separate bills stack, what the homestead exclusion covers, and how the appeal actually works. - [Knob-and-tube, fuse boxes and insurance](https://mortgagedelco.com/old-houses/knob-and-tube-old-wiring-delco/): What knob-and-tube is, what the appraiser and the insurer each do about it, why the binder is the real gate, and how a 203(k) Limited can carry a rewire up to $75,000. - [Sewer laterals and U&O inspections in Delco](https://mortgagedelco.com/old-houses/sewer-lateral-uo-inspections-delco/): The point-of-sale rules town by town, what each one costs, how much notice it needs, who orders it, and what Act 133 says happens when a house fails a week before settlement. ## Loans - [Buying a home](https://mortgagedelco.com/mortgages/purchase-loans/): Down payments, the 2026 limits, transfer tax by municipality, the U&O inspection, and what the seller has to tell you. - [First-time home buyers](https://mortgagedelco.com/mortgages/first-time-home-buyers/): Homeownership First's $10,000 and its exclusions, the 2026 income and price caps, Upper Darby's own $20,000, and PHFA. - [FHA loans](https://mortgagedelco.com/mortgages/fha-loans/): 3.5% down against the 2026 Delaware County limits, the MIP math, and the appraisal reality on a pre-1978 twin. - [FHA 203(k) renovation loans](https://mortgagedelco.com/mortgages/fha-203k-renovation-loans/): Limited versus Standard after the November 2024 rewrite, what a 203(k) covers on an old twin, timelines and consultant fees. - [Conventional loans](https://mortgagedelco.com/mortgages/conventional-loans/): The 2026 conforming limits, 620 minimum score, 3% down programs, and how PMI comes off. - [VA loans](https://mortgagedelco.com/mortgages/va-loans/): Entitlement, the funding fee table, VA property requirements on an old twin, and the IRRRL. - [Duplex and multi-unit loans](https://mortgagedelco.com/mortgages/multi-unit-loans/): FHA and conventional limits on two to four units, the self-sufficiency test, and what the county programs will and won't cover. - [Refinance](https://mortgagedelco.com/mortgages/refinance/): No transfer tax, discounted title, FHA Streamline and VA IRRRL seasoning, and how to drop mortgage insurance. - [Cash-out refinance](https://mortgagedelco.com/mortgages/cash-out-refinance/): The 80% ceilings, the 12-month seasoning, the VA exception, and the county rule that can call your down payment loan due. ## Towns - [Delaware County](https://mortgagedelco.com/neighborhoods/delaware-county/): County-wide numbers: the 2021 reassessment, transfer tax by municipality, Homeownership First, and the 2026 loan limits. - [Upper Darby](https://mortgagedelco.com/neighborhoods/upper-darby/): Rows, twins and stone singles under one township tax bill, with an interior U&O, a sewer lateral certificate and a 2.5% transfer tax. - [Drexel Hill](https://mortgagedelco.com/neighborhoods/drexel-hill/): Stone twins and brick rows at a $341,450 July 2026 median, on Upper Darby Township's tax bill and inspection rules. - [Lansdowne](https://mortgagedelco.com/neighborhoods/lansdowne/): Victorians and twins on a Media/Wawa Line stop, a borough transfer permit at $100 a unit, and forgivable county assistance. - [Clifton Heights](https://mortgagedelco.com/neighborhoods/clifton-heights/): Mill-era rows and twins in a small borough, a $100-a-unit resale inspection, and forgivable county down payment help. - [Yeadon and Darby](https://mortgagedelco.com/neighborhoods/yeadon-darby/): Pre-1940 rows and twins, a two-unit share that FHA can use, borough resale inspections, and forgivable county assistance in both boroughs. - [Springfield](https://mortgagedelco.com/neighborhoods/springfield/): Postwar capes and colonials at a $525,000 July 2026 median, a combined millage at the low end of the county, and a $75 resale inspection. - [Swarthmore](https://mortgagedelco.com/neighborhoods/swarthmore/): Victorians and 1920s singles around the busiest station on the Media/Wawa Line, with a low borough rate and a 32.1605-mill school bill. - [Wallingford](https://mortgagedelco.com/neighborhoods/wallingford/): Detached houses on the Media/Wawa Line at a $609,945 July 2026 median, with a mandatory sewer lateral video and dye or smoke test. - [Ridley Park](https://mortgagedelco.com/neighborhoods/ridley-park/): Victorians and mid-century singles at a $309,500 July 2026 median, two Wilmington/Newark Line stations, and forgivable county assistance. - [Prospect Park and Norwood](https://mortgagedelco.com/neighborhoods/prospect-park-norwood/): July sold medians for both boroughs, Interboro's new millage, Zone 2 fares, and the $10,000 that gets forgiven after five years here. - [Aston](https://mortgagedelco.com/neighborhoods/aston/): July sold median, Penn-Delco's new millage, the township's $360 trash line, and the resale certificate you apply for two weeks out. - [Brookhaven](https://mortgagedelco.com/neighborhoods/brookhaven/): The deepest sales sample in this corner of the county, plus borough millage, trash and sewer by zone, and Penn-Delco's new rate. - [Glen Mills](https://mortgagedelco.com/neighborhoods/glen-mills/): The Concord and Thornbury split, July's sold median, Garnet Valley and West Chester Area millage, and why the FHA limit matters at this price. - [Garnet Valley](https://mortgagedelco.com/neighborhoods/garnet-valley/): July's sold median, Bethel Township's millage and trash fund, Garnet Valley School District's 2026-27 rate, and where the loan limits land. - [Newtown Square](https://mortgagedelco.com/neighborhoods/newtown-square/): July's sold median, Newtown Township's millage and its hydrant and street-light lines, quarterly sewer, and where FHA, conforming and jumbo split. - [Broomall](https://mortgagedelco.com/neighborhoods/broomall/): July's sold median against the 2026 FHA limit, Marple's millage increase, township trash and Central Delaware County sewer, and the Marple Newtown rate. - [Radnor and Wayne](https://mortgagedelco.com/neighborhoods/radnor-wayne/): July's sold median, the 2.5% transfer tax, Radnor Township School District's 2026-27 rate, the stations, and why most purchases here clear the conforming limit. - [City of Chester](https://mortgagedelco.com/neighborhoods/chester-city/): July's sold median, the CEDA and CCIP $10,000, the city and school tax lines, what the Chapter 9 ruling changed, and the two stations. - [Marcus Hook and Trainer](https://mortgagedelco.com/neighborhoods/marcus-hook-trainer/): July's sold median, the forgivable $10,000, Chichester's proposed increase, the station at 12th Street, and why Trainer's own median cannot be quoted this month. ## Numbers - [Delaware County mortgage calculator](https://mortgagedelco.com/numbers/payment/): The payment, the cash at closing, and the transfer tax for the municipality you pick. - [How much house you can afford in Delco](https://mortgagedelco.com/numbers/what-you-can-afford/): Income against debts, with the county's assistance rules noted. - [Delaware County transfer tax calculator](https://mortgagedelco.com/numbers/deed-transfer-tax/): Four municipalities sit above the county standard of 2%: Radnor, Upper Darby and the City of Chester at 2.5%, Upper Providence Township at 3% (Delaware County Recorder of Deeds exception list, read Aug 2026). ## Terms and privacy - [Terms](https://mortgagedelco.com/terms/) - [Privacy](https://mortgagedelco.com/privacy/) - [Communications consent](https://mortgagedelco.com/consent/) - [Privacy options](https://mortgagedelco.com/privacy-options/) ## If you are quoting this - Carry the read date next to the figure. Millage, program caps and loan limits each move on their own schedule, and a figure with no month on it is not worth repeating. - Nothing on these pages is a loan offer. The licensed Pennsylvania lender who calls back holds the licence.