Greensburg PA Mortgage Broker — FHA, VA & Home Loans in Westmoreland County

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

Home Loan Programs Available in Greensburg

Greensburg’s mix of established neighborhoods and proximity to Seton Hill University creates steady demand from first-time buyers, faculty, and move-up purchasers. FHA loans at 3.5% down are popular for the city’s older housing stock, while VA loans serve the region’s active-duty and veteran community with zero down payment. The FHA 203(k) renovation loan is ideal for Greensburg’s character homes needing modernization. Conventional financing starts at 3% down for qualified borrowers. PHFA K-FIT offers a forgivable second mortgage for down payment assistance. USDA eligibility applies to some surrounding fringe townships, expanding options for buyers considering a short commute into the county seat.

Greensburg — Westmoreland County’s Civic and College Hub

As the county seat of Westmoreland County, Greensburg anchors the region’s government, healthcare, and education sectors. Seton Hill University draws a consistent pipeline of faculty, staff, and alumni buyers who often seek financing in the $130,000–$250,000 range — well within FHA limits. Downtown Greensburg’s ongoing revitalization has made it one of the more active secondary markets in southwestern Pennsylvania. Median home prices remain well below the statewide average, making conventional and FHA financing equally accessible for most buyers. The combination of affordability, stable employment, and commuter access to Pittsburgh supports long-term property values.

First-Time Buyer Programs in Greensburg

Greensburg buyers qualify for PHFA’s full suite of assistance programs. The K-FIT program provides a forgivable second mortgage equal to 5% of the purchase price — forgiven at 20% per year over five years. The HOMEstead Program offers up to $10,000 in down payment assistance for very low-income households in eligible areas. PHFA’s Keystone Home Loan sets competitive 30-year fixed rates for income-qualified borrowers statewide. FHA financing requires just 3.5% down with credit scores of 580 or higher. Lena Polnet walks every Greensburg buyer through the full PHFA application process as part of the pre-approval.

FAQ — Greensburg Mortgage

What is the FHA loan limit for Greensburg, PA?

Greensburg falls within Westmoreland County, where the 2024 FHA conforming loan limit for a single-family home is $498,257. Most Greensburg homes are priced well below this ceiling, meaning FHA financing is available for virtually every property in the city. Down payment is 3.5% for borrowers with a 580+ credit score.

Can I use a VA loan to buy a home near Seton Hill University?

Yes. VA loans carry no down payment requirement and no private mortgage insurance, making them one of the strongest tools available in the Greensburg market. Eligible veterans, active-duty service members, and surviving spouses can use VA financing to purchase in any Greensburg neighborhood. Lena Polnet is experienced with VA appraisal requirements for older properties common to the area.

Is the 203(k) renovation loan available in Greensburg?

FHA 203(k) loans are fully available in Greensburg and well-suited to the city’s housing stock, which includes many homes built before 1960. The standard 203(k) covers major structural work, while the Limited 203(k) handles cosmetic improvements up to $35,000. Both allow buyers to finance the purchase price and renovation costs in a single loan.

Get Pre-Approved in Greensburg

Call (215) 364-7171 or visit dynamicfunding.net to start your application. Lena Polnet has helped Pennsylvania homebuyers for 28+ years — same-day pre-approval reviews available.

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