Philly Metro MortgagePhiladelphia · Bucks · Montco · Delco · Chester (267) 828-9067

Philadelphia mortgage help from people who know the block

A rowhome in South Philly, a twin in Havertown, a refinance on the place you already own in Doylestown. Call, say what you're doing, and a licensed Pennsylvania lender who does exactly that calls you back. We can also pronounce Passyunk.

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Tell us the neighborhood and the price. We'll tell you what the transfer tax comes to and which programs are worth asking about, and a licensed lender calls you back with the rest.

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Both go to the same place. The form takes about a minute.

**Philadelphia.** Twin houses in West Mount Airy after a snow. Shared walls, deep porches and a build date the appraiser will want to discuss.Photograph by Treeemont, via Wikimedia Commons (CC BY-SA 4.0)

What happens when you call

Something picks up

At any hour, first ring, and the call is recorded from the start. Good notes get taken and nobody sighs. No menu, no hold music.

About ten questions

Buying or refinancing, where, roughly what price, when, and how your credit looks from where you sit. Five minutes, no documents.

A lender calls back

One who does that kind of loan: first-time programs, FHA, VA, jumbo, self-employed, investor. The lender quotes, pre-approves and closes; we stay out of your paperwork.

Every way to finance a home around here

Purchase loansThe whole path from pre-approval to keys, with the city versus suburb costs spelled out in dollars.First-time home buyersHow Philly First Home, PHFA, and a low-down-payment loan stack on a real $300,000 rowhome purchase.FHA loans3.5% down with the 2026 Philadelphia-area limits, the mortgage insurance math, and the rowhome appraisal reality.VA loansZero down with the funding fee table, the no-limit rule, and what VA appraisers flag in the region's pre-war housing.Conventional loans3% down with the income rule, PMI removal, the 2026 conforming limits, and a side-by-side against FHA on a $300,000 rowhome.Jumbo loansWhere the $832,750 line falls, what jumbo lenders ask for, and what the transfer tax does at Main Line prices.USDA loansWhich towns qualify for zero down, the income cap, the guarantee fee, and an honest note that most of the metro doesn't.RefinanceWhen a refinance pays off here, what it costs without the transfer tax, and the FHA and VA streamlines.

All loan programs

Things nobody warns you about until the closing table

A national mortgage site does not know that Philadelphia charges 4.578% to change the name on a deed, or that a rowhome from 1925 can fail an FHA appraisal over a loose railing. These are the local parts.

Philadelphia transfer tax

The 4.578% rate broken down, the customary split, the short list of exemptions, the suburban rates, and why a refinance owes nothing.

Philly First Home program

How the city's $10,000 first-time buyer grant works, who fits under the income table, and the two rules that end eligibility.

PHFA loans

Every current PHFA program with the July 2026 limits by county, the three assistance seconds compared, and a straight answer on HOMEstead.

Closing costs in PA

What a Pennsylvania closing actually costs, with the title insurance manual rates, the transfer tax split, and a $300,000 example for the city and the suburbs.

Tangled titles in Philadelphia

What a tangled title is, why it stops a refinance or a sale, and the city fund that pays the legal costs to clear it.

Philadelphia property tax and the abatement

The rate, the $100,000 Homestead Exemption, LOOP, how the post-2022 abatement phases down, the 2027 reassessment, and what your lender escrows.

Philadelphia and the four counties around it

Each has its own page, with local prices, taxes and the programs that apply there.

Philadelphia Bucks County Montgomery County Delaware County Chester County

Fishtown and Northern Liberties South Philadelphia Northeast Philadelphia Manayunk and Roxborough Mt. Airy and Chestnut Hill University City and West Philadelphia Center City Doylestown Newtown and Yardley Bensalem and Levittown King of Prussia Conshohocken Ardmore and the Main Line Media Havertown West Chester Phoenixville

Send the form. A person calls you back.

About a minute to fill out. We read it, and a licensed Pennsylvania lender follows up, usually the same business day. No credit pull happens here. Or skip the typing and call (267) 828-9067.

We are a marketing and referral service, not a mortgage lender or broker. Sending this form is a request to be contacted by a licensed Pennsylvania mortgage lender about mortgage financing. It is not a loan application, and nothing here touches your credit. How this works.

Your name

Best phone number

What are you doing?

Where's the property?

Price range

When?

Credit, roughly (optional)

Anything else? (optional)

What you just agreed to: communications consent. What we do with it: privacy policy · terms of use. Change your mind later: privacy choices.

Questions we get on the phone

Does calling or sending the form pull my credit?

No. Nothing on this site touches your credit. A credit check happens later, with the lender, when you decide to apply.

What is this 4.578% transfer tax people keep mentioning?

Every sale inside city limits pays a realty transfer tax of 4.578% of the price: 1% to Pennsylvania and 3.578% to Philadelphia. Buyer and seller usually split it. Cross into Bucks, Montgomery, Delaware or Chester and the total normally drops to about 2%. The full guide is here.

Who answers at two in the morning?

The line is answered at two in the morning the same way it is at two in the afternoon: the same ten questions about what you are buying, then a licensed lender follows up. You will not get voicemail, a menu, or a queue. What the call is like.

What if the house is outside Philadelphia?

Call and say where it is. A Pennsylvania license covers the whole state, so a house in Reading or Scranton is the same phone call as one in Fishtown, and a house across a state line needs a lender licensed there, which is a question worth asking out loud rather than guessing at. What is true is that these pages are written for Philadelphia and the four counties around it: the 4.578% city transfer tax, the abatement, the programs that only exist here. That is why they are useful, not a fence.

Stop reading. Start the thing.

Buying, refinancing, or not sure yet. The number works at any hour, and the form takes about a minute. Both land in the same place.

(267) 828-9067