State College Home Loans
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State College Real Estate & Mortgage Financing
Dear Future Homeowner,
My name is Brian Allen and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current State College home loan. I am a State College mortgage consultant, serving all of State College, and the surrounding communities.
State College Home Loans
If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for State College home loans, you will find that this site is a complete resource full of insider secrets that will allow you to choose the State College mortgage program best suited to your financial needs.
State College Mortgages
I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the State College home loan you need for the home you want.
State College Real Estate
Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my office at 814-777-0757. I am here to help you with all your State College home loan needs.
Got a Quick Real Estate or Mortgage Question?
Click the "Ask A Question" button below to send us a message by email or feel free to call my office at 814-777-0757.
Before you leave, make sure you review the State College Home Loan Buying Resources, Insider Reports and State College Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.
State College Real Estate Reports:
Below, I have included an example of one of our FREE reports that can help you understand credit scores:
To have the best chance of improving your credit score you will need to have a good understanding of how it is calculated as that will help you to decide on the actions you need to take.
A credit score is a numerical calculation based on a number of factors that helps State College mortgage lenders decide whether you are a risk to lend money to for your State College home loan.
The numbers generally range from 300 to 850 and allow lenders to see how well you are at paying off your debts.
The higher this number is the more likely you are to get credit for your mortgage loan and you will also usually get it at lower interest rates because of the fact that you will be regarded as a lower risk for repayment.
If your score falls below 600 you will probably have trouble getting credit for State College real estate and if you do you will be expected to pay higher mortgage rates due to the risk involved.
Scores over 720 are regarded as excellent and you can expect to get good State College loan rates.
This is just a guideline as some mortgage lenders place more importance on credit scores than others and while you might have difficulty getting credit with one lending institution that is not to say you will have difficulty with all of them.
Often you can discuss your situation with the State College lender even when you have a low score and still get them to finance you at reasonable rates.
Sometimes they will look at your whole credit history and take that into account rather than just the current poor score.
Your credit score comes from the calculations that are determined by the credit bureaus and are based on mathematical data that is arrived at from your credit report information that is supplied to the bureaus from people who have lent you money and from people you owe payment of bills to.
Whichever State College mortgage broker you decide to work with, you should be able to receive a copy of your credit report from them to review and check for any errors.
You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.
If you have had credit problems, be prepared to discuss them honestly with your State College mortgage professional and come to your application meeting with any necessary written explanations.
Responsible State College mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties.
They should be there to help you get your home loan.
For a free no-obligation consultation regarding your credit or any other mortgage or real estate questions, please don't hesitate to call me at 814-777-0757.
We service clients statewide, including every city and town in Pennsylvania.
State College Real Estate |State College Home Loan | State College Home Loans | State College Mortgage
Brian was fantastic to work with. I was a first-time home buyer - and a nervous one. Brian walked me through the entire process and ensured that I fully understood every step. He patiently ran, and re-ran, reports every time I asked! Brian understands how stressful the home-buying process was for me and made sure that I completely at ease. Oh....and I got a fabulous interest rate!!
We could have never made it through the house buying process without the help of Brian. He kept things rolling and had terrific follow through. We were taken care of in every aspect.
Brian was on the ball from the word go. My transaction took a lot longer than a standard one (totally on me) and Brian was always in touch, providing advise and recommendations. He was helpful, courteous, and knowledgeable in ever aspect of the transaction. I would recommend Brian to anyone looking to purchase a home, whether you are a rookie buyer or a experienced one.
In this very competitive market in State College, PA we were delighted to find a home and get through the buying process seamlessly and without hurdles. We were amazed that our closing date remained the same throughout without any hiccups. Purchasing a home can be stressful but with the help of Brian and his team we were able to get through everything and move into our new home without delay.I would definitely recommend his team to anyone! Grateful!!Kelly Caviston
Brian and his staff efficiently guided me through the loan process, answered many questions and kept in touch each step of the way, concluding with a settlement date earlier than anticipate. Smooth sailing from start to finish.
Brian and his staff were very helpful and knowledgable with respect to out recent refi mortgage. We were able to obtain a very competitive rate with low fees. All of the transactions progressed very smoothly.
Brian did an admirable job of guiding me through the process of securing my loan for my home. He told me step by step what I needed to do to complete the process successfully. He was detailed in telling me what documents I needed to have to make my loan application as painless as possible. The whole process was daunting, but I trusted Brian and his experience. It paid dividends for me.
I was recommend to Brian by a close friend for refinancing my house. Brian and his team worked quickly to close my loan and get me the best interest rate. My only compliant is, it seemed like they asked for duplicate paperwork a few times.
Brian is the most helpful mortgage broker I have ever dealt with in my 60 years on this earth. He goes over and above for you on getting the best deal possible. I recommend him to everyone I know looking for a mortgage.
It was my first time buying a house and my realtor suggested Brian to me. Once I met him I knew why my realtor suggested him because he was great! He explained everything about how the process would work getting a mortgage, from what I needed to do to what he was going to do. He was just so nice, knowledgeable, and easy to work with each step of the process! I would highly recommend him to anyone!
I have financed and refinanced homes many times in my life. However, since moving to PA 10 years ago I only had one mortgage experience and that was directly with my bank. To say customer service and knowledge was lacking would be an understatement! When I was forced to refinance due to extenuating circumstances, I recalled that Brian, an old college friend, was a broker and I didn't hesitate to give him a call. Besides being a truly good guy, Brian was able to help me through what could have been a very complicated process. He kept things simple and the process moved forward to close very quickly. Either he or someone on his staff was always available to answer a question or give me an assist. He did such a great job for me that my ex- used him to purchase his new home! I give Brian 5 stars without hesitation and recommend him and his team for any and all of your home loan needs!