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Looking for a mortgage lender in Ephrata? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Ephrata, PA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Pennsylvania before hiring.
Showing 4 mortgage lenders in Ephrata, PA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mark Newcomb with HomeSale Mortgage
5 Old Mill Rd, Ephrata, PA 17522
6106982140
J.R.Heller Real Estate / Mortgage
333 N State St, Ephrata, PA 17522
7177521123
Mortgage Loans-USA
4 Hoover Dr, Ephrata, PA 17522
7174666278
PNC Mortgage
280 N Reading Rd, Ephrata, PA 17522
7177337937
Ephrata Pennsylvania residents have access to several local mortgage lenders who can help with home purchase loans and refinancing. Pennsylvania law requires all mortgage loan originators to be licensed through the Pennsylvania Department of Banking and Securities. Working with a lender familiar with Lancaster County property values and local market conditions can simplify the home buying process.
What Does a Mortgage Lender in Ephrata Cost?
Typical mortgage lender costs in Pennsylvania include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and a credit report fee of $30 to $50. Title insurance and settlement fees often range from $1,500 to $3,000. These costs vary by lender, loan type, and property value. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Ephrata Pennsylvania?
You typically need pay stubs from the last 30 days, W-2 forms from the last two years, tax returns, bank statements, and a valid photo ID. Pennsylvania lenders also require proof of homeowners insurance before closing.
How long does the mortgage process take in Pennsylvania?
The average mortgage process in Pennsylvania takes 30 to 45 days from application to closing. Pennsylvania law requires a three business day review period after the Closing Disclosure is provided before you can sign final documents.
Are there first time home buyer programs in Ephrata Pennsylvania?
Yes. The Pennsylvania Housing Finance Agency offers the Keystone Advantage Assistance Loan Program for first time buyers. Local programs may also be available through Lancaster County. These programs often provide down payment and closing cost assistance.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Pennsylvania.