Apply now with our easy to use application system. In a few short steps, you'll be on your way to a new home!
An FHA mortgage is for EVERY home buyer, not just first time home buyers. This great loan program has a low down payment of 3.5% and allows for up to 6% seller assistance towards closing costs if negotiated. Find out today if an FHA mortgage is the right program for you!
USDA mortgages provide low and moderate income rural residents with better access to affordable housing finance options. It's a 100% loan: no down payment is needed for existing homes or new construction located in an eligible rural area.
VA Mortgage Loans
VA mortgage loans are available to Veterans and their legal spouses with a VA-issued COE. This mortgage requires no down payment, has low interest rates, requires no mortgage insurance, and has no prepayment penalty.
203K Renovation Loans
The 203K Streamline loan program offers borrowers the resources to rehabilitate a home that may be in need of repair. This loan can be used for large projects i.e. large room additions, mother in-law quarters, garages, sunrooms, upgraded kitchens, etc.
If you qualify for this mortgage, you'll actually be receiving rather than making mortgage payments. You get to stay in your home and the payments you'll receive can be used for whatever you'd like. Give us a call to speak with one of our Mortgage Brokers to see if a reverse mortgage may be right for you!
Whether you want to consolidate your debt, lower your interest rate, remove mortgage insurance, or free up funds for home improvements, a refinance can be set up to accommodate various borrower needs. Refinances are available in all loan programs.
One Time Close Construction Loans
Many American’s dream involves the perfect piece of land and the home built to their specifications. A One Time Close Construction Loan allows the borrower to finance both the land and construction with one loan instead of multiple.
Conventional mortgages are used for both purchase and refinance purposes and allow for 3% seller assistance towards closing costs with as low as 5% down payment or 6% seller assistance with a down payment of 10%.
First Time Home Buyers
We specialize in helping walk first time home buyers through each step of the mortgage process. Taking care to answer any questions along the way, we ensure the process is positive and painless. Contact us to start your home buying journey!
D. Shane Whitteker
Happy Homeowners Start Here
We're Principle Home Mortgage - a full service Pennsylvania mortgage broker offering the loans that will fit your needs.
Our offices are located in State College, and we have decades of experience in Pennsylvania mortgages. Our mission is to provide exceptional customer service for all borrowers no matter the situation.
How much home do you qualify for? Are any special programs available to you? Let our mortgage experts get you answers.
Contact us today at 814-308-0959 - we specialize in helping you find the perfect mortgage - whether you're in State College or anywhere else in Pennsylvania.
Last March, my husband and I began shopping for a home in our new community. We were shocked to find a law firm in New Hampshire incorrectly filed a deed disqualifying my husband for a FHA or VA loan. Where other mortgage companies told us to "live with it" or told us there is nothing we could do, Shane looked at our situation as a new challenge.
If it were not for Shane and his unwavering support of us through the process of resolving our issues with FHA, we would not be living in our lovely home today.
Shane from Principle Home Mortgage, LLC did an excellent job making the home-buying process as easy as possible for my family. As first-time homebuyers, we were very unsure of the process and were concerned about many different parts of the process. Shane guided us through every step and was always available to answer questions, even those that were not "normal" questions for a mortgage broker. He was always extremely friendly and always acted promptly to keep the process moving smoothly. I am very glad we chose Principle Home Mortgage for our home-buying experience! I would highly recommend them to anyone looking to buy a home.