Relax, and let us help you craft financial stability

We are your Lancaster, PA mortgage experts for purchase and refinance.

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Call Us Today!

(717) 560-0546

Opening Time

Mon - Fri 9:00a - 5:00p

Sat - By Appointment

Services

What We Do

Conventional Loans

Conventional Loans are mortgage loans backed by private lenders. These loans are not insured or guaranteed by the federal government

FHA Loans

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

USDA Loans

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

Jumbo Loans

Need help getting a home loan over $548,250? We've got you covered! Our lending partners offer a Jumbo Loan for a 30 Year Fixed Rate mortgage.


The purchase of a home should start with a Pre-Approval


With a Pre-Approval letter, sellers know you are serious. With the Pre-Approval completed, the shopper is now a buyer
with money backing the offer and they have the ability to close quickly.


Our partners love working with Pre-Approved buyers. These
partners strive to serve each pre-approved client with
expertise and speed to ensure you close on the house of your dreams.


The Loan Application Process

We'll help you choose the right products and solutions.

1. Loan Application

We collect information to help you obtain approval for your loan

It is crucial to provide correct and supporting documentation in a timely manner

2. Processing the Loan

We help you gather and verify all the information the lender needs

Ex. Employment Verification, Appraisal

3. Underwriting

The lender confirms your credit and income to qualify for your loan.

A review of the appraisal and an in-depth analysis of the loan


4. Docs Out/Docs Back

Review the final loan terms in the Closing Disclosure

Cash to close is finalized and final loan documents prepped

5. Closing Procedures

We meet you at Closing to make sure to answer any final questions

Loan documents are signed and the lender approves funding


Why multiple lenders?

The mortgage industry is based on risk analysis science to develop rates and other fees.
Not all lenders are equal in risk acceptance and some are advantaged or restricted by RESPA, resulting in increased overhead and inefficiencies.


Our working relationship with multiple trusted lenders allows Mortgage Craft to
match the borrower with a lender that views their qualifications as a fit for their loan
policies, giving the borrower the low rate at the lowest cost they can get in the
mortgage loan industry.


Our multiple lenders also allow us to offer all types of loans (FHA, VA, USDA, REVERSE,
ARMS, CONSTRUCTION, and more) that best fit the borrower’s needs.

Established October 2006...

Mortgage Craft is a full service mortgage broker offering a
forward looking mortgage origination process that
leverages seemingly complicated disclosures to
provide you with great options in products
and pricing. We seek to help you along the journey of home ownership by guiding you through products and pricing that fit your needs.

We want to help you craft financial stability one home at a time.

Thank you for giving us the opportunity to serve you!


We are a modern mortgage company based on old-fashioned values


It is our pleasure to offer a wide variety of products to help you in whatever season of life you may be in. If you are just beginning to process or are investing in your real estate holdings, give us a call for a free consultation today, we would love to get to know you better!

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Email ralph@mortgagecraft.net or call us at (717) 560-0546 to set up a free no-hassle consultation.