NMHL Mortgage Lending
Mortgage Lender in Bethlehem, PA
Local expertise and competitive rates for Bethlehem homebuyers.
Bethlehem Housing Market Overview
Explore mortgage options in Bethlehem, PA with NMHL. Our local expertise helps you navigate the Bethlehem real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Bethlehem
Explore mortgage options tailored to Bethlehem homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding the Bethlehem Housing Market
The Bethlehem housing market is characterized by a mix of historic and modern homes, with a median home price of $240,000. The city's proximity to major employment centers and its rich cultural heritage make it an attractive destination for homebuyers.
Some of the notable neighborhoods in Bethlehem include:
- Historic Downtown Bethlehem
- South Bethlehem
- West Bethlehem
These neighborhoods offer a range of housing options, from historic homes to modern apartments.
Contact NMHL to get pre-approved for a mortgage and take the first step towards homeownership in Bethlehem.
Mortgage Options for Underserved Borrowers in Bethlehem
At NMHL, we understand that not all borrowers fit the traditional mortgage mold. That's why we offer specialized mortgage programs for underserved borrowers, including:
- Self-employed borrowers
- Veterans
- First-time homebuyers
- Those with bad credit
Our mortgage experts will work with you to identify the best mortgage solution for your situation.
Don't let credit challenges or non-traditional income hold you back from achieving homeownership. Contact NMHL to explore your mortgage options.
First-Time Homebuyer Programs in Pennsylvania
Pennsylvania offers several programs to help first-time homebuyers achieve homeownership, including:
- The Keystone Home Loan Program
- The PHFA Down Payment Assistance Program
These programs provide affordable financing options, down payment assistance, and other benefits to help first-time homebuyers get into the market.
NMHL's mortgage experts can help you navigate these programs and determine the best fit for your situation.
Take advantage of Pennsylvania's first-time homebuyer programs and get into your dream home with NMHL.
Property Taxes and Home Values in Bethlehem
Property taxes in Bethlehem are an important consideration for homebuyers. The city's effective property tax rate is 1.24%, which is relatively low compared to other areas in Pennsylvania.
The quality of local school districts can also impact home values. Bethlehem is served by the Bethlehem Area School District, which is highly rated and has a strong reputation.
Homebuyers should factor property taxes and school districts into their overall housing costs when considering a mortgage.
Contact NMHL to discuss how property taxes and school districts may impact your mortgage and homeownership costs.
Frequently Asked Questions
Mortgage rates in Bethlehem vary depending on the type of loan and borrower profile. At NMHL, we offer competitive rates starting from 6.5% APR for a 30-year fixed conventional loan. Contact us for a personalized rate quote and to discuss your mortgage options.
NMHL offers several mortgage options for first-time homebuyers in Bethlehem, including FHA loans with down payments as low as 3.5%. We also offer specialized programs, such as the Keystone Home Loan Program, which provides affordable financing options for first-time homebuyers. Our mortgage experts can help you determine the best option for your situation.
Property taxes in Bethlehem are based on the assessed value of the property and are used to fund local schools, infrastructure, and other public services. The average effective property tax rate in Bethlehem is 1.24%. Homebuyers should factor property taxes into their overall housing costs when considering a mortgage.
While having bad credit can make it more challenging to secure a mortgage, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our subprime mortgage programs can help borrowers with credit scores as low as 580 qualify for a mortgage. We'll work with you to identify the best mortgage solution for your situation.
Working with a local mortgage lender like NMHL provides several benefits, including personalized service, local market expertise, and faster processing times. Our mortgage lenders in Bethlehem are familiar with the local real estate market and can provide guidance on the mortgage process, from pre-approval to closing.
Yes, NMHL offers down payment assistance programs, such as the Pennsylvania Housing Finance Agency (PHFA) Down Payment Assistance Program, which provides up to 3.5% of the home's purchase price towards down payment and closing costs. Our mortgage experts can help you explore these options and determine the best fit for your situation.
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Ready to Buy in Bethlehem?
Let NMHL help you navigate the Bethlehem housing market with expert guidance and competitive rates.