Greensburg 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 Greensburg, Westmoreland County, and the greater Pittsburgh metro area. As the Westmoreland County seat, Greensburg is home to a mix of urban and suburban buyers, from first-time homeowners in established neighborhoods to retiring professionals looking for reverse mortgage options. Lena operates fully digitally, no branch visit needed, and can be reached directly at (215) 364-7171.

Home Loan Programs in Greensburg PA

Greensburg and Westmoreland County buyers have access to a strong range of loan programs. FHA loans (3.5% down, 580+ credit) are the most common entry point for first-time buyers in this market. VA loans serve the veteran and active-duty population with zero down payment and no PMI. USDA loans provide 100% financing for eligible rural properties in the outer Westmoreland County townships. Conventional loans are well-suited to established suburban neighborhoods. FHA 203(k) renovation loans are frequently used on Greensburg’s older housing stock, combining purchase and rehab into a single loan. Bank statement loans help self-employed borrowers and small business owners qualify without tax returns. Reverse mortgages serve Greensburg’s sizable retiree population.

Why Work With a Mortgage Broker Instead of a Bank

A bank shows you one set of products. Lena shops your file across 100+ wholesale lenders, including lenders that work only through brokers. For Greensburg buyers, that often means better FHA pricing, VA loans without lender fees, USDA programs for eligible rural areas in outer Westmoreland County, and 203(k) renovation loans for this area’s older housing stock. One application, multiple competing lenders.

Pennsylvania First-Time Homebuyer Programs

PHFA’s K-FIT grant provides up to 5% of purchase price (minimum $1,000) forgivable after 10 years of occupancy, available throughout Westmoreland County and all of Pennsylvania. Also available: HFA Preferred for lower mortgage insurance on conventional loans, and Keystone Home Loan for moderate-income buyers. Where applicable, USDA provides 100% financing with no down payment for eligible rural properties in the outer county townships.

FAQ, Greensburg PA Mortgage

What loan programs work best for buying a home in Greensburg’s older neighborhoods?

FHA 203(k) renovation loans are ideal for Greensburg’s older housing stock. They combine the purchase price and renovation costs into a single mortgage, letting buyers finance repairs, roof, plumbing, electrical, structural, without a separate construction loan. Standard 203(k) handles major renovations; Limited 203(k) covers cosmetic work up to $35,000. Lena can walk you through both options.

Can I use a USDA loan to buy near Greensburg?

USDA loans are available in eligible rural and semi-rural areas of Westmoreland County outside of Greensburg proper. Many outer townships, including parts of Mount Pleasant, Ligonier, and Derry Township, qualify for USDA’s 100% financing program. Eligibility depends on both the property address and household income limits. Lena verifies eligibility at no cost before you apply.

How does PHFA’s K-FIT grant work for Westmoreland County buyers?

PHFA’s K-FIT grant provides a forgivable second mortgage equal to 5% of the purchase price (minimum $1,000). It’s used toward down payment and closing costs and forgiven over 10 years of owner-occupancy, meaning no repayment if you stay in the home. It stacks with FHA, conventional, VA, and USDA first mortgages and is available to buyers throughout Westmoreland County with no income cap on the grant itself.

Get Pre-Approved, Greensburg PA

Call (215) 364-7171 or visit dynamicfunding.net. Fully digital, no branch visit needed. Lena serves western Pennsylvania including Westmoreland County and all Pittsburgh area communities.

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