Pennsylvania Mortgage Loans: Every Loan Program in One Place

Whether you are buying your first home in Bucks County, refinancing in Montgomery County, or building an investment portfolio in Philadelphia, the loan you choose shapes your payment, your approval odds, and your long-term position. Compare every program offered by Dynamic Funding Solutions, Inc. (NMLS #17144), a Pennsylvania and Florida mortgage broker led by Lena Polnet, NMLS #17225.

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Choose Your Loan Program

Sixteen programs, one broker. Each card links to a full page with qualification guidelines and next steps.

Conventional Loans

Standard mortgages for buyers with solid credit and documented income, with down payments from 3%.

Best for: W-2 employees with established credit.

FHA Loans

Government-backed loans with as little as 3.5% down and flexible credit guidelines.

Best for: First-time buyers, credit scores 580+.

VA Loans

100% financing with no down payment and no PMI, for those who served.

Best for: Veterans and active-duty with a COE.

DSCR Loans

Qualify on a property’s rental income instead of your personal income. No tax returns.

Best for: Real estate investors building portfolios.

Non-QM Loans

Alternative-documentation loans for borrowers outside conventional guidelines.

Best for: Self-employed or past credit events.

Bank Statement Loans

Qualify on 12 to 24 months of bank deposits instead of tax returns.

Best for: Self-employed whose returns understate income.

1099 & P&L Loans

Use 1099 forms or a CPA-prepared profit and loss statement to qualify.

Best for: Independent contractors and gig workers.

ITIN Loans

Buy or refinance using an ITIN in place of a Social Security number.

Best for: Non-citizen borrowers with an ITIN.

Foreign National Loans

Finance U.S. property with no U.S. credit, income, or Social Security number.

Best for: International and second-home buyers.

Asset-Based Loans

Qualify on the value of your liquid assets rather than earned income.

Best for: Retirees and high-net-worth borrowers.

Reverse Mortgage

Convert home equity into tax-free income with no monthly mortgage payment.

Best for: Homeowners 62+ with significant equity.

Bridge Loans

Short-term financing to buy your next home before selling your current one.

Best for: Buyers competing in fast markets.

Construction Loans

Stage-funded financing to build a new home that converts to a permanent loan.

Best for: Custom-home builders.

Cash-Out Refinance

Replace your mortgage with a larger loan and take the difference as cash.

Best for: Homeowners with built-up equity.

Rate & Term Refinance

Lower your rate or change your term without taking cash out.

Best for: Homeowners cutting their payment.

Interest-Only Loans

Pay only interest for an initial period to reduce early carrying costs.

Best for: Investors and variable-income buyers.

Markets Served: Pennsylvania and Florida

Dynamic Funding Solutions, Inc. serves borrowers throughout southeastern Pennsylvania and statewide Florida. Our Pennsylvania coverage includes Huntingdon Valley, Bucks County, Montgomery County, and the City of Philadelphia. In Florida, we serve Orlando, Tampa, Jacksonville, and Boca Raton.

Every program above is available in both states, with market-specific guidance on property values, lender requirements, and state disclosures.

Work with Lena Polnet, NMLS #17225

Lena Polnet has guided Pennsylvania and Florida borrowers through every loan type on this page. She specializes in matching borrowers to the right program, including complex scenarios involving self-employment, investment properties, and alternative income documentation. Dynamic Funding Solutions, Inc. operates as NMLS #17144, licensed in Pennsylvania and Florida.

Ready to get started? Call (215) 364-7171 or schedule a free consultation to find the loan that fits your situation.

Areas We Serve in Pennsylvania

Local mortgage guidance for these communities, each with its own dedicated page.

Bensalem, PABucks CountyView page → Glenside, PAMontgomery CountyView page → Hatboro, PAMontgomery CountyView page → Philadelphia, PAPhiladelphia CountyView page → Abington, PAMontgomery CountyView page → Levittown, PABucks CountyView page → Doylestown, PABucks CountyView page → Stroudsburg & Poconos, PAMonroe CountyView page →

Area photos via Wikimedia Commons: Neshaminy State Park by mike epp (CC BY 2.0); Grey Towers Castle by Peetlesnumber1 (CC BY-SA 4.0); Hatboro by Shuvaev (CC BY-SA 3.0); Independence Hall by Rdsmith4 (CC BY-SA 2.5); Keswick Theatre by Smallbones (CC0); Sesame Place by Transity (CC BY-SA 3.0); Mercer Museum by KForce (CC BY-SA 3.0); Bushkill Falls by Renata3 (CC BY-SA 4.0).

Requirements are a starting point, not the final answer.

The thresholds listed on this page are program guidelines. They tell you where most lenders start. They don’t tell you what’s actually possible.

Lena has helped borrowers close loans that looked like a “no” on paper, a credit score just below the listed minimum, a DSCR slightly under 1.0, a down payment that needed structuring. Non-QM lending has more flexibility than most borrowers realize, and an experienced broker knows where that flexibility lives.

If you’ve been told no, or if you’re not sure you qualify, call before you walk away. A 15-minute conversation costs nothing and tells you exactly what’s possible. Book a free strategy call →

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