Purchase or Refinance with Confidence

Mortgage Craft House_Lancaster
Clients closed with confidence in 2022

First-Time Homebuyers

Need assistance figuring out what you can afford?

Have Questions?

Talk to a licensed loan officer who can help!

Meet the Team

Learn a little bit about us! And see the picture of our office dog!

Why Choose Mortgage Craft?

Our purpose and passion as people and a business is to “empower financial stewardship in our community.” We want to help people make the best decisions on one of life’s largest purchases, their home.

As a mortgage broker, we offer a variety of mortgage loan products and lenders to fit your custom needs. Every borrower has unique needs, and we work to help you find the best mortgage loan to fit both your short-term and long-term goals. We offer speed and flexibility with modern, cloud-based software so you can upload documents quickly and securely right from your phone. We work with lenders who offer the best interest rates so you can save money over the life of your mortgage.

Self-employed? No problem! We can help you too!

What is a Mortgage Broker?

A mortgage broker brings mortgage borrowers and lenders together but does not use their own funds to originate a mortgage loan. A broker helps borrowers compare interest rates and loan products to best fit the borrower’s needs. Brokers help the borrower provide the correct paperwork a mortgage lender needs for underwriting and loan approvals. Mortgage brokers are compensated either from the borrower or the lender at closing.

Loan Types

Conventional Loans are mortgage loans backed by private lenders. These loans are not insured or guaranteed by the federal government and allow as low as 3% down

Refinancing can help lower payments and interest rates. Cash-out refinances can also help with renovations or large purchases!

Need help with a down payment? FHA Loans are insured by the Federal Housing Administration and allow down payments as low as 3.5% for qualifying borrowers

Jumbo loans are for homes that cost more than $625,0000, or more expensive properties

A USDA home loan is for qualifying rural home buyers and offers a zero down payment mortgage. USDA loans can be used for home purchase or home improvement loans

Active duty and other service members may qualify for a VA backed mortgage to assist with homebuying

Purchasing a home that needs a facelift or appliances? We’ve got you covered with two types of renovation loans

Construction loans are used to bridge the gap between a traditional mortgage on a home and the up-front construction costs

Helpful Tips and Blog Posts

Budgeting Tips

What is budgeting? Budgeting is the management and handling of things; such as money, resources, and time. Money management can bring you great opportunities in

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Our Experienced Team

At Mortgage Craft, our team is able to help you through every step of the mortgage process. Each member of our team is ready to assist with your questions and make sure your loan closes on time.


20 Years of Mortgage Experience

Mortgage Craft was founded in 2006 in Lancaster, PA. Our founder, Tom Bayles has guided the company with quality mortgage advice since its inception. Our goal is to give you the best options for your home purchase or refinance!

Expert Advice

New to homebuying? No problem! We will help you each step of the way from determining what you can afford to closing! Think you should refinance? We help you run the numbers so you can decide what is best for you!

Phelan Cole
Google Review
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Mortgage Craft’s team were very instrumental in providing information to help me secure the best interest rate during the housing process. Having Mortgage Craft acting on my behalf as a broker made the process of buying a house less stressful. I highly recommend their service to those who are seeking trusted individuals who are professional and personable.
Jill Wagner
Google Review
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Working with Ralph and Kaylin Means was an extremely satisfying experience. They made everything easy even for someone who is not very computer savvy. My questions and problems were handled in a very professional and patient manner. Covid-19 has presented everyone with challenges and Mortgage Craft meets them and makes the entire experience easy. I will certainly recommend them to anyone i know who is looking for a mortgage company.
Kyle Eberly
Google Review
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Mortgage Craft made my refinance process smooth and effortless . The team is good at what they do and extremely easy to work with. Can’t recommend them highly enough!
Tamy Esbach
Google Review
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Great service. Knowledgeable team. Made the home-buying process easy.
Daniel Booz
Google Review
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Absolute joy to work with! My wife and I were recently considering refinancing our house, and were referred to Mortgage Craft by a friend. We ended up working with Ralph. Awesome guy! Very helpful, knowledgeable, trust worthy and a great communicator. Thanks again Ralph/team!
Dan McClary
Google Review
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The team was very helpful through the whole journey. There was constant communication about necessary steps. Thanks!
Adrienne Epler
Google Review
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First time homebuyer, here. Mortgage Craft was very helpful throughout our homebuying experience. They answered questions in terms we could understand and helped every step of the way. They were also very responsive and quick to get back to us.
Lysandra Matos
Google Review
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Ralph and his team are a great financial advisor team that will help you and guide you to what is convenient for you in your financial situation when purchasing a home there knowledge and dedication helped us buy our home thank you Ralph and team Mortgage Craft.. I will recommend this team to family and friends.
Wanda McLean
Google Reviews
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I found my experience with Mortgage Craft to be superior! Everyone conducted themselves professionally and were knowledgeable in their field. They were patient and responsive to my questions and went out of their way to explain everything in a way that I could understand. I would highly recommend them.

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