Archbald PA Mortgage Broker — FHA, VA & Home Loans in Lackawanna County

Dynamic Funding Solutions serves homebuyers in Archbald, Pennsylvania and throughout Lackawanna County. Lena Polnet (NMLS #17225) offers FHA loans, VA loans, USDA rural loans, conventional mortgages, and PHFA down payment assistance. Call (215) 364-7171.

Home Loan Programs in Archbald PA

Archbald is a small residential borough in Lackawanna County, north of Scranton with a quiet suburban character and affordable housing prices well-suited to first-time buyers. FHA financing leads the market here — 3.5% down with flexible credit guidelines that match the income profile of most Archbald households. USDA rural loans are worth exploring for addresses in and around the borough, as much of northern Lackawanna County falls within eligible rural zones. Veterans use VA loans to purchase with no down payment required, a significant advantage in any market. PHFA’s K-FIT and HOMEstead assistance programs provide additional closing cost and down payment relief. Lena Polnet has served buyers throughout northeastern Pennsylvania for over 28 years.

Down Payment Assistance in Lackawanna County

Pennsylvania’s PHFA K-FIT grant provides 4% of the loan amount to cover closing costs — this is a forgivable grant, not a loan you repay. The HOMEstead program adds up to $10,000 in down payment assistance for eligible buyers. In qualifying rural and semi-rural addresses, USDA loans eliminate the down payment entirely. Lena Polnet reviews every Archbald buyer’s income, credit, and property address to match them to the highest-value program available before they ever sign a purchase agreement.

Why Use a Mortgage Broker in Archbald

A mortgage broker shops your loan across 100+ lenders simultaneously — something no single bank can do. That competition typically means better rates and more flexible underwriting than you’d find walking into a branch. Lena Polnet has been arranging PA mortgage financing for 28+ years and knows every program available in Lackawanna County, including options many banks don’t offer at all. You get direct, personal service from an experienced local professional — not a call center.

FAQ — Mortgage Loans in Archbald PA

What mortgage programs are available in Archbald PA?

FHA, VA, USDA rural, conventional, DSCR, and bank statement loans are available. Call (215) 364-7171 for a free consultation with Lena Polnet NMLS #17225.

Are USDA loans available near Archbald PA?

Some properties in and around Archbald in Lackawanna County qualify for USDA 0% down loans. Call to verify your property address at (215) 364-7171.

Can veterans get a VA loan in Lackawanna County?

Yes. VA loans with 0% down are available for eligible veterans in Lackawanna County. Lena Polnet NMLS #17225 processes VA loans throughout northeastern Pennsylvania.