Mortgage Broker York PA

Lena Polnet is an independent mortgage broker with over 28 years of experience helping Pennsylvania families finance their homes. Serving York County and all of Pennsylvania through a fully digital process, Lena works with 100+ wholesale lenders to match buyers with the right loan, not just the first one that fits. Call (215) 364-7171 to start your conversation.

Home Loans in York PA

York County offers some of the most affordable housing in Pennsylvania. Whether you are a first-time buyer taking advantage of lower price points, a veteran, or a buyer in a rural area eligible for USDA financing, there is a loan program that fits.

• FHA Loans, York’s affordable market makes FHA an excellent entry point. With 3.5% down and flexible credit guidelines, FHA opens doors for buyers who may not qualify for conventional financing yet.
• VA Loans, Veterans and active-duty service members throughout York County can purchase with zero down payment and no private mortgage insurance. Lena is experienced with VA entitlement, funding fee waivers, and multi-use entitlement.
• USDA Rural Development Loans, Much of York County’s surrounding townships and boroughs qualify for USDA zero-down financing. Lena will verify eligibility for your specific property address.
• First-Time Homebuyer Programs, PHFA K-FIT, HFA Preferred, and down payment assistance programs layer on top of FHA or conventional loans to minimize what you bring to closing.

Why Work With a Mortgage Broker in York

Banks are limited to their own product shelf. As an independent broker, Lena accesses over 100 wholesale lenders, meaning she compares rates and guidelines across the market to find the best fit for your income, credit, and goals. There is no pressure to choose a specific product, and her process is fully remote: applications, documents, and disclosures handled digitally from York County to closing.

First-Time Homebuyer Programs

PHFA programs are specifically designed for Pennsylvania buyers and stack well with FHA and conventional loans in affordable markets like York.

• PHFA K-FIT (Q7192264), 5% of the purchase price (up to $15,000) as a forgivable second mortgage. Forgiven 20% per year over five years, no repayment if you stay in the home.
• HFA Preferred, Below-market rate conventional loan, combinable with K-FIT for maximum assistance.
• Keystone Advantage Assistance, Up to $6,000 in a 10-year, no-interest second mortgage for down payment or closing costs.

Frequently Asked Questions, York PA

Can I get a USDA loan for a property in York County?

USDA eligibility is determined property-by-property, not county-by-county. Many townships and rural areas surrounding York City qualify. Lena will run the USDA eligibility check on any address you are considering as part of the initial consultation, at no charge.

I have a 600 credit score. Can I still buy a home in York?

Yes. FHA loans are available with a 580+ credit score and 3.5% down. Some lenders Lena works with have overlays as low as 560 for FHA. Lena reviews your full profile, credit depth, payment history, employment, to identify the strongest lender match for your situation.

How long does the mortgage process take for a York County purchase?

A typical purchase loan closes in 21 to 30 days from complete application. PHFA loans may take 30 to 45 days due to agency processing. Lena will give you a realistic timeline at the start so you can set seller expectations accordingly.

Get Started Today

York County buyers, whether this is your first home or your next, deserve options. Lena will review your full picture and walk you through every program available before you make any decisions. Call (215) 364-7171 or visit dynamicfunding.net.

Lena Polnet, NMLS #17225 | Dynamic Funding Solutions, NMLS #17144 | Licensed in Pennsylvania. This is not a commitment to lend. All loans subject to credit approval.