Washington 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 Washington, Washington County, and the greater Pittsburgh metro area. Washington County is racehorse country with a strong energy and natural gas sector, producing a unique mix of buyers including oil and gas workers, contractors, and first-time homeowners taking advantage of the area’s affordable housing. Lena operates fully digitally, no branch visit needed, and can be reached directly at (215) 364-7171.

Home Loan Programs in Washington PA

Washington County’s affordable price points and mixed workforce make it an ideal market for a range of loan programs. FHA loans (3.5% down, 580+ credit) are the dominant entry-level product for first-time buyers. VA loans serve the area’s veteran population with zero down payment and no PMI. Conventional loans cover suburban and mid-range purchases throughout the county. Bank statement loans are especially relevant here, oil and gas workers, contractors, and self-employed small business owners frequently show inconsistent W-2 income and need 12-24 months of deposits instead. USDA loans cover eligible rural Washington County areas near the West Virginia border with 100% financing. FHA 203(k) renovation loans handle the area’s older housing stock.

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 Washington County buyers, that often means better FHA pricing, VA loans without lender fees, USDA programs for eligible rural areas near the WV border, 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 Washington 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 southern and western parts of Washington County.

FAQ, Washington PA Mortgage

Can oil and gas workers in Washington County get a mortgage without traditional W-2 income?

Yes. Bank statement loans are designed exactly for this situation. Oil and gas workers, pipeline contractors, and independent energy sector workers who file complex returns or run their own LLCs can qualify using 12 or 24 months of personal or business bank statements rather than tax returns. Lena works with lenders who specifically underwrite these files and understand Washington County’s energy workforce.

Are there USDA loan-eligible areas in Washington County?

Yes. Several rural communities in Washington County, particularly in the western and southern townships near the West Virginia border, qualify for USDA Rural Development loans. USDA provides 100% financing with no down payment, competitive interest rates, and reduced mortgage insurance. Property and income limits apply. Lena checks eligibility by address at no cost before application.

What’s the benefit of an FHA loan for a first-time buyer in Washington PA?

FHA loans require as little as 3.5% down with a 580 credit score, making them the most accessible path to homeownership in Washington PA’s affordable price range. With home prices typically well below the FHA loan limit, buyers can finance most of the purchase with minimal cash out of pocket. FHA also pairs well with PHFA’s K-FIT grant to further reduce the upfront cost of buying.

Get Pre-Approved, Washington PA

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

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