Lehighton PA Mortgage Broker — FHA, VA & Home Loans in Carbon County

Dynamic Funding Solutions serves homebuyers in Lehighton and Carbon County, Pennsylvania. Lena Polnet — NMLS #17225, 28+ years in mortgage lending — provides FHA, VA, USDA, conventional, and renovation loan programs for Lehighton buyers. Call (215) 364-7171 for a same-day pre-approval review.

Home Loan Programs Available in Lehighton

Lehighton is a working-class Carbon County borough along the Lehigh River, with housing stock that skews toward older row houses and small single-family homes typically priced between $100,000 and $195,000. FHA loans with 3.5% down are the most common financing tool for Lehighton buyers. FHA 203(k) renovation loans are especially relevant here — many Lehighton properties need updates to roofing, electrical, or plumbing that standard loans require to be completed before closing. VA loans serve the borough’s veteran population with zero down and no PMI. PHFA K-FIT provides $10,000 in forgivable down payment assistance for income-qualified first-time buyers. Conventional loans are available for buyers with stronger credit who prefer lower mortgage insurance costs.

Financing Older Row Houses in Lehighton PA

Lehighton’s housing inventory is dominated by pre-1970 row houses and twins — many in need of cosmetic or structural updates that standard appraisals flag as conditions. FHA 203(k) renovation loans allow buyers to purchase these properties and roll repair costs into the loan, with funds held in escrow and released as work is completed. This removes the barrier that turns away cash-poor buyers from Lehighton’s otherwise affordable properties. Homes in the $100,000–$175,000 range that need $20,000–$50,000 in updates are ideal candidates for 203(k) financing. Lena Polnet has structured renovation transactions throughout Carbon County and guides buyers through the process from application to contractor draw.

First-Time Buyer Programs in Lehighton PA

Pennsylvania’s PHFA K-FIT program provides $10,000 in forgivable down payment and closing cost assistance to first-time buyers in Lehighton. K-FIT pairs with FHA or conventional loans and is structured as a second mortgage forgiven at 10% per year over ten years — no repayment is required if the buyer stays in the home. A 660 minimum credit score and income within PHFA household limits are required, plus a homebuyer education course. Lehighton’s low home prices mean K-FIT can cover most or all of a buyer’s upfront costs. Call (215) 364-7171 to check your eligibility.

FAQ — Lehighton PA Mortgage

What is an FHA 203(k) loan and is it available in Lehighton PA?

An FHA 203(k) loan combines a home purchase loan with renovation financing in one transaction. It is available in Lehighton and ideal for the borough’s older row houses that need updates before or after purchase. Repair funds are held in escrow and disbursed as work is completed by approved contractors.

Can PHFA K-FIT be used for a home in Lehighton?

Yes. PHFA K-FIT provides $10,000 in forgivable down payment assistance for first-time buyers in Lehighton and all of Carbon County. A 660 credit score is required. Given Lehighton’s home prices, K-FIT often covers the full down payment on an FHA purchase with money left toward closing costs.

How do I start the pre-approval process for a Lehighton PA home?

Call (215) 364-7171 and speak directly with Lena Polnet. She will review your income, credit, and savings to identify the best loan program — FHA, VA, 203(k), or conventional — and issue a pre-approval letter the same business day in most cases.

Apply for a Mortgage in Lehighton PA

Call (215) 364-7171 or visit dynamicfunding.net to start your pre-approval today.

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