Mortgage Broker Easton PA

Lena Polnet is a licensed mortgage broker with 28+ years of experience serving homebuyers and homeowners in Easton and Northampton County, PA. Easton sits at the eastern edge of the Lehigh Valley where the Lehigh and Delaware Rivers meet — an increasingly attractive destination for buyers priced out of the New York and New Jersey markets. Lena works with a wide network of wholesale lenders to find the right loan at competitive rates. The entire process is handled digitally — fully remote, no office visits required. Call (215) 364-7171 to get started.

Home Loan Programs in Easton PA

Easton’s revitalized downtown, lower price points relative to its Lehigh Valley neighbors, and easy access to NJ and NY commuters make it an attractive market for first-time buyers, relocators, and investors. Lena offers the full range of mortgage products:

• FHA Loans — 3.5% down, flexible credit requirements. Northampton County FHA loan limit: $524,225 (2025). Excellent option for first-time buyers in Easton’s affordable price range.
• VA Loans — Zero down payment for eligible veterans and active-duty military. No PMI required.
• Conventional Loans — Fannie Mae / Freddie Mac programs, down payments as low as 3% for qualifying borrowers.
• USDA Loans — Rural Development program may be available in some outlying Northampton County areas near Easton. Lena will confirm eligibility by address.
• Non-QM / Bank Statement Loans — For self-employed borrowers and those with non-traditional income documentation.
• DSCR Loans — Investment property loans based on rental income for buyers acquiring Easton rental properties.
• Jumbo Loans — For higher-priced properties, particularly attractive to NJ/NY transplants purchasing larger homes.

Why Work With a Mortgage Broker in Easton PA

Working with a mortgage broker means you’re not limited to one lender’s offerings. Lena shops your loan across dozens of wholesale lenders — finding better rates and terms than most borrowers can access by walking into a bank:

• Broader lender access. Wholesale lender pricing is often better than retail bank pricing. A broker shops the market for you.
• All loan types in one place. FHA, VA, conventional, DSCR, Non-QM — Lena handles all of them with a single application.
• No geographic barriers. The entire mortgage process is remote. Easton buyers in NJ or NY relocating to PA can start before they even visit the property.
• Single point of contact. Lena handles your file personally from application through closing.
• 28+ years closing PA loans. Lena’s experience means she knows how to structure files that get approved.

First-Time Homebuyer Programs in Easton PA

PHFA offers strong down payment assistance and low-rate loan programs for first-time buyers in Northampton County:

• PHFA K-FIT (Keystone Forgivable in Ten Years Loan Program) — 5% of the purchase price as a second mortgage, forgiven at 10% per year over 10 years. No repayment if the home remains your primary residence for the full term. Wikidata: Q7192264.
• HFA Preferred (Fannie Mae) — Conventional loan with reduced mortgage insurance. Can be paired with K-FIT for maximum down payment assistance.
• Keystone Home Loan Program — Competitive 30-year fixed rate, designed for first-time buyers. Northampton County income limits (2025): $138,500 for 1–2 person households; $161,900 for 3+ person households.
• Keystone Advantage Assistance — Up to $6,000 in closing cost and down payment assistance as a 4%, 10-year second mortgage.

Lena is a participating PHFA lender and will walk you through every program you qualify for.

Frequently Asked Questions — Mortgage Broker Easton PA

Why are buyers from New Jersey and New York moving to Easton?

Easton offers significantly lower home prices compared to comparable communities in NJ and the New York metro area, while still being accessible to those markets via NJ Transit connections and major highways. The revitalized downtown, Crayola Experience, and Lehigh Valley hospital system make it an attractive landing spot for families and remote workers relocating from higher-cost states. Lena has helped many cross-state buyers navigate PA mortgage programs.

What credit score do I need for an FHA loan in Easton?

FHA requires a minimum 580 credit score for 3.5% down, or 500–579 with 10% down. Lena works with FHA-approved lenders and can pre-qualify you based on your current credit profile. If your score needs improvement before applying, she can advise on the fastest path to qualification.

Can I get pre-approved for an Easton home before relocating from out of state?

Yes — and this is one of the advantages of Lena’s fully digital process. Out-of-state buyers can complete the full application, upload documents, and receive a pre-approval letter before they’ve even toured homes in Easton. This makes you competitive in the market from day one.

Get Pre-Approved — Mortgage Broker Serving Easton PA

Buying or refinancing in Easton or anywhere in Northampton County? Contact Lena Polnet at Dynamic Funding Solutions. The entire mortgage process is handled remotely — no need to visit an office.

Call: (215) 364-7171
NMLS #17225 | Company NMLS #17144

Dynamic Funding Solutions is a licensed mortgage broker in Pennsylvania. Not a lender. Rates and program availability subject to change. All loans subject to underwriting approval. NMLS #17225. Equal Housing Opportunity.