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Whether you are planning to purchase or construct a new home or refinance an existing one, PS Mortgage has a mortgage to fit your needs. Contact a PS Mortgage Loan Originator to discuss your home borrowing needs.

Our mortgages feature fast and local approval, low-cost closings, and competitive rates.  We offer fixed and variable rates; VA, FHA, PHFA, and USDA rural housing options.  Reverse mortgages are available.  Our Mortgage Specialists are local, knowledgeable, and experienced. 

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Are you buying or building a new home?  Refinancing your home for cash out or to take advantage of historically low mortgage rates?  At PS Mortgage, our mortgage originators are dedicated to providing a seamless process – from application to closing.

  • Low down payment options
  • Competitive rates at historic lows
  • Fixed rate terms up to 30 years

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If you are a military veteran or active duty service member, you may qualify for 100% financing and unlimited sellers assist toward closing costs!

Have you:

  • Served 90 consecutive days of active service during wartime?
  • Served 181 days of active service during peacetime?
  • Served more than 6 years in the National Guard or Reserves?

You may be eligible for a VA Loan!

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  • Below market interest rates
  • Closing cost and down payment assistance programs available
  • Special programs for persons with disabilities
  • Save up to $2,000 a year with a Mortgage Tax Credit Certificate
  • Homebuyers counseling and education required for borrowers with a FICO credit score of less than 680

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Enjoy life in rural northeastern Pennsylvania even more as a homeowner.  A USDA/Rural Development mortgage provides income eligible borrowers with affordable homeownership.

  • Available for single-family home purchases
  • 100% financing available
  • Seller assist up to 6%
  • Not limited to first-time homebuyers
  • Available to eligible borrowers with credit scores of 620+
  • Household income limits
  • Property eligibility

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Buying a new home is a dream for many families! 

  • 3.5%  down payment requirement
  • Seller assist up to 6%
  • Escrow for taxes and insurance required
  • Private Mortgage Insurance (PMI) applies
  • Available to borrowers with credit scores of 580* or greater

*Additional requirements for borrowers with credit scores of 580 – 619

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The prospect of building a new home is exciting.

One closing – one set of closing costs

  • Rate lock up front at current low rate
  • Local disbursements to your contractor

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OECD Grant

This is a $7,000 match, dollar for dollar, with $5,000 for closing costs.

Lackawanna County Grant

This is a $6,500 grant for down payment and $1,000 for closing costs.


Contact a Mortgage Specialist Today!
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