Call or text: 717-476-8534
Get a Great Rate on your Mortgage!
Welcome to Allcredit Home Loans, Inc.! We are a leading provider of home loans and mortgage solutions. With over 30 years of experience in the industry, we have helped countless individuals and families achieve their dream of homeownership. Our team, led by Daniel Hollinger, is dedicated to providing personalized service and finding the best loan options for our clients. We understand that every situation is unique, which is why we take the time to listen and tailor our solutions to meet your specific needs. Whether you are a first-time homebuyer or looking to refinance, we are here to guide you through the process and make it as smooth as possible. Contact us today to learn more about how we can help you achieve your homeownership goals.
HECM Reverse Mortgage
Unlock the equity in your home with our HECM Reverse Mortgage. This innovative financial solution allows homeowners aged 62 and older to convert a portion of their home's equity into tax-free funds. Enjoy the freedom to live comfortably and maintain financial security in your retirement years.
LOAN TYPES
FIXED RATE MORTGAGE
The interest rate is fixed for the term of the loan.
The Fixed Rate Mortgage offered by Allcredit Home Loans, Inc. is among the most popular loans in our portfolio. I’d be happy to discuss the details of the Fixed Rate Mortgage and customize it in order to suit your specific needs and financial situation. Contact me to find out if you’re eligible, and whether this would be a good fit for your needs.
ADJUSTABLE RATE MORTGAGE
The interest rate can change after a set term.
The Adjustable Rate Mortgage is popular for some, but may not be appropriate for everyone. Get in touch to learn more about the implications and to find out whether this would be a good mortgage for your financing needs. I’ll provide all necessary information for you to make an educated decision.
BUYDOWN MORTGAGE
The interest rate is lower for the first 2 or 3 years of the mortgage term.
If you are looking to have a lower payment and rate for the first few years of your loan, then a Buydown may be right for you.
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Contact us to discuss the benefits and disadvantages, and together we’ll decide whether this is the right option for you.
Popular Loan Programs
FHA LOANS
3.5% Down payment / 6% Seller contribution
No Income limits / Property must meet HUD Guidelines
580 Minimum Credit Score
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USDA GUARANTEED LOAN
NO Money down / 6% Seller contribution
Can finance closing costs up to the appraised value
Income limits / Property Eligibility Required
580 Minimum Credit Score
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CONVENTIONAL FINANCING
3-5% down payment / 3-6% Seller contribution
Multiple Mortgage Insurance options
620 Minimum Credit Score
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VA LOAN
NO money Down / 4% Seller Contribution
Certificate if Eligibility required
JUMBOÂ MORTGAGE
Loan amounts $726,200 +
5% down payment available
First-Time Home Buyer Mistakes and How to Avoid Them
Shopping for a home prior to mortgage pre-approval
Some buyers make the mistake of looking for homes before getting pre-approved for financing. It’s important to get pre-approved so you know what you can afford and don’t fall in love with a home that is out of your price range. Additionally, most real estate agents won't show you properties without a pre-approval letter. Contact us for your pre-approval.
Not checking your credit and fixing mistakes
The higher your credit scores, the better chance you have of being approved for a loan with a lower interest rate. It’s important to make sure that your credit score is maximized before applying for a home loan. While different types of loans have varying credit score requirements, improving your credit score before starting the homebuying process, can help streamline the process and save you potentially thousands of dollars over the course of your loan.
Allowing emotions to influence your decisions
Don't let your emotions dictate the offer. Instead, only make an offer if you’re really serious about buying the house, and make sure it’s based on similar homes that have sold recently. Also take into consideration the condition of the home and any repairs that would need to be made in the near future.
What are clients are saying
NMLS ID #87286, #127372 * Licensed by PA Dept. of Banking #21199 , #30235
Equal Housing Lender