Mortgage loan types for Delaware County, PA | Mortgage Delaware County, PA

Buying

A first twin, a bigger single, a two-unit in Upper Darby you plan to live in. Each one has a loan that fits it.

Buying a homeDown payments, the 2026 limits, transfer tax by municipality, the U&O inspection, and what the seller has to tell you.First-time home buyersHomeownership First's $10,000 and its exclusions, the 2026 income and price caps, Upper Darby's own $20,000, and PHFA.

Refinancing

A lower payment, a shorter term, or cash out of the house you already own. Pennsylvania charges no transfer tax on a refinance, so it costs less here than people expect.

RefinanceNo transfer tax, discounted title, FHA Streamline and VA IRRRL seasoning, and how to drop mortgage insurance.Cash-out refinanceThe 80% ceilings, the 12-month seasoning, the VA exception, and the county rule that can call your down payment loan due.

Loan programs

FHA, VA, conventional, 203(k) and the rest, written for Delco: the 2026 limits, what the appraiser looks at on a 1920 house, what the county adds.

FHA loans3.5% down against the 2026 Delaware County limits, the MIP math, and the appraisal reality on a pre-1978 twin.FHA 203(k) renovation loansLimited versus Standard after the November 2024 rewrite, what a 203(k) covers on an old twin, timelines and consultant fees.Conventional loansThe 2026 conforming limits, 620 minimum score, 3% down programs, and how PMI comes off.VA loansEntitlement, the funding fee table, VA property requirements on an old twin, and the IRRRL.

The harder ones

Self-employed, a condo with paperwork trouble, an investor qualifying on rent. All of it gets financed. The page says how.

Duplex and multi-unit loansFHA and conventional limits on two to four units, the self-sufficiency test, and what the county programs will and won't cover.

Which one is for a Delco house

Look, the house decides half of it. A 1915 twin in Drexel Hill with original windows and a roof of unknown age is an FHA conversation, and if the inspection comes back long, a 203(k) conversation. A 1998 colonial in Garnet Valley with nothing wrong is a conventional loan and cheaper mortgage insurance. The 2026 FHA limit in Delaware County is $630,200 for a single-family house; conforming is $832,750. Above that you're into jumbo, which mostly happens in Radnor and Newtown Square.

The other half is you: down payment, credit, whether you served, and if you plan to live there. Say those on the call. The lender who calls you back runs those against the programs; the pages here just get you asking the right questions.

Fill out the form. A licensed lender calls you back.

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.