Chambersburg PA Mortgage Broker — FHA, VA, DSCR & Non-QM Loans

Lena Polnet of Dynamic Funding Solutions, Inc. has been originating home loans for 28+ years, serving Franklin County and South Central Pennsylvania. Whether you’re buying in downtown Chambersburg, refinancing a rural property in the county, or financing a home near Fort Detrick, Lena shops your file to 100+ wholesale lenders — one application, fully digital. Call (215) 364-7171 to get started.

Home Loan Programs in Chambersburg PA

Franklin County is an affordable market near the Maryland border with strong FHA and VA activity. FHA loans are the first choice for first-time buyers with limited down payment. VA loans serve the significant military community near Fort Detrick, MD — no down payment, no PMI for eligible veterans and active-duty personnel. USDA loans cover the rural townships of Franklin County with zero down payment for income-eligible borrowers. Conventional loans work for buyers with stronger credit and equity. Bank statement loans serve the county’s agriculture operators and business owners who write off income on taxes. FHA 203(k) renovation loans address the older housing stock in Chambersburg proper — one loan for purchase plus repairs.

Why Work With a Mortgage Broker

A bank offers its own products. Lena shops your file to 100+ wholesale lenders — including USDA lenders, PHFA-approved programs, and VA specialists your local bank may not have access to. For Chambersburg borrowers that means more options, better pricing, and programs designed for your market. One application, multiple lenders.

Pennsylvania First-Time Homebuyer Programs

PHFA’s K-FIT grant provides up to 5% of purchase price (minimum $1,000) as a forgivable second mortgage — available throughout Franklin County and all of Pennsylvania. Also available: HFA Preferred (conventional with reduced mortgage insurance) and the Keystone Home Loan for moderate-income buyers. USDA loans are also available in eligible rural areas of Franklin County with zero down payment.

FAQ — Chambersburg PA Mortgage

Are USDA loans available in Chambersburg PA?

The City of Chambersburg itself is not eligible for USDA financing — it exceeds population thresholds. However, many of the surrounding townships in Franklin County remain USDA-eligible, including rural areas of Guilford, Hamilton, and Washington townships. If you’re buying outside the city core, USDA is worth checking. Lena verifies USDA eligibility for every Franklin County property before running loan scenarios.

What VA loan benefits apply for buyers near Fort Detrick?

Active-duty personnel stationed at Fort Detrick and veterans who served there are eligible for VA home loans with no down payment, no private mortgage insurance, and competitive rates. Franklin County’s affordability makes VA loan limits largely a non-issue — most homes are well within the conforming limit. The VA funding fee can be financed into the loan. Surviving spouses of qualifying veterans may also be eligible. Call (215) 364-7171 to confirm your entitlement.

Can I use an FHA 203(k) loan to buy and renovate a home in Chambersburg?

Yes — the FHA 203(k) loan is well-suited to Chambersburg’s older housing stock. The Standard 203(k) handles structural repairs above $35,000; the Limited 203(k) covers cosmetic improvements up to $35,000. You purchase the home and finance renovations in one loan at the time of closing — no separate home improvement loan needed. The renovation funds are held in escrow and disbursed as work is completed by licensed contractors.

Get Pre-Approved — Chambersburg PA

Call (215) 364-7171 or visit dynamicfunding.net. Fully digital — no branch visit needed.

Dynamic Funding Solutions, Inc. — NMLS #17144 | Lena Polnet — NMLS #17225 | Licensed in Pennsylvania and Florida | Equal Housing Lender