NMHL Mortgage Lending
Mortgage Lender in York, PA
Local expertise and competitive rates for York homebuyers.
York Housing Market Overview
Explore mortgage options in York, PA with NMHL. Our local expertise helps you navigate the York 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 York
Explore mortgage options tailored to York 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
Learn MoreWhat Our Clients Say
Real reviews from Google — no cherry-picking
Our Presence
Click on endorsed states to see our direct resources!
Exploring York's Neighborhoods and Housing Market
York is a vibrant city with a rich history, offering a range of neighborhoods to suit different lifestyles. From the revitalized downtown area to the family-friendly suburbs, York has something for everyone. Our local expertise at NMHL can help you navigate the York real estate market and find the perfect home.
Some of York's notable neighborhoods include:
- Downtown York: A hub for shopping, dining, and entertainment, with a mix of historic and modern homes.
- York Township: A suburban area with a strong sense of community, featuring a range of single-family homes.
- North York: A diverse neighborhood with a mix of housing types, from apartments to single-family homes.
Get pre-approved today and take advantage of York's thriving housing market.
Mortgage Options for York Borrowers
At NMHL, we offer a range of mortgage programs to suit different borrower needs. For first-time homebuyers, we have FHA loans with down payments as low as 3.5%. Veterans can take advantage of VA loans with zero down payment requirements. We also offer USDA loans for borrowers purchasing homes in rural areas.
Our specialists can help you explore these options and find the best fit for your situation. With competitive rates and personalized service, we'll guide you through the mortgage process from pre-approval to closing.
Contact us to discuss your mortgage options and get pre-approved today.
Understanding Property Taxes in York, PA
As a homeowner in York, you'll need to factor property taxes into your mortgage planning. York County's average effective property tax rate is 1.24%, which is slightly higher than the statewide average. Homeowners in York can expect to pay around $2,232 per year in property taxes on a median-priced home.
We can help you understand how property taxes will impact your mortgage payments and overall cost of homeownership.
Don't forget to factor property taxes into your mortgage planning – contact us for guidance.
The Impact of School Districts on Home Values in York
The quality of local schools can significantly impact home values in York. The School District of York is one of the largest in Pennsylvania, serving over 10,000 students across 17 schools. Homes located within top-rated school districts tend to command higher prices and appreciate in value over time.
Our local expertise at NMHL can help you understand how school districts will impact your home purchase and long-term investment.
Consider the impact of school districts on your home's value – contact us to discuss your options.
First-Time Homebuyer Programs in Pennsylvania
Pennsylvania offers several programs to help first-time homebuyers achieve their goals. The Pennsylvania Housing Finance Agency (PHFA) offers programs like the Keystone Home Loan Program, which provides up to 4% of the home's value in down payment assistance. NMHL can help you explore these options and find the best fit for your situation.
Our specialists will work with you to understand your unique needs and guide you through the mortgage process.
Take advantage of Pennsylvania's first-time homebuyer programs – contact us to learn more.
Frequently Asked Questions
Mortgage rates in York vary depending on the loan program and your credit profile. At NMHL, we're currently offering competitive rates starting at 6.5% APR for a 30-year fixed loan. Contact us for a personalized rate quote and to discuss your mortgage options.
While a good credit score can help you qualify for better mortgage rates, we have options for borrowers with less-than-perfect credit. NMHL offers FHA loans with credit scores as low as 580, and our specialists can help you explore other alternatives. Get pre-approved today and take the first step towards homeownership.
York County's average effective property tax rate is 1.24%, which is slightly higher than the statewide average. Homeowners in York can expect to pay around $2,232 per year in property taxes on a median-priced home. We can help you factor these costs into your mortgage planning.
Yes, there are several down payment assistance programs available to York borrowers. The Pennsylvania Housing Finance Agency (PHFA) offers programs like the Keystone Home Loan Program, which provides up to 4% of the home's value in down payment assistance. NMHL can help you explore these options and find the best fit for your situation.
When selecting a mortgage lender in York, consider factors like experience, customer service, and loan options. At NMHL, we pride ourselves on our local expertise and personalized service. Our specialists will work with you to understand your unique needs and find the best mortgage solution.
By working with a local lender like NMHL, you'll benefit from our in-depth knowledge of the York housing market and our ability to provide personalized guidance throughout the mortgage process. We're committed to helping you achieve your homeownership goals.
Related Resources
Ready to Buy in York?
Let NMHL help you navigate the York housing market with expert guidance and competitive rates.