Pennsylvania Mortgage Loans
Conventional, FHA, VA, jumbo, HELOC and investor financing for Pennsylvania borrowers — shopped across a wholesale lender network instead of a single bank’s shelf.
Mortgage Lending in Pennsylvania
Andrew Baker is a licensed mortgage loan originator serving Pennsylvania through West Capital Lending, Inc. As a broker rather than a bank, your loan is shopped across a wholesale lender network — so Pennsylvania borrowers are matched to the program and pricing that fit, not to one institution’s product shelf.
Loan Programs Available in Pennsylvania
Conventional Loans
As little as 3% down, with mortgage insurance that drops off at 80% LTV.
FHA Loans
3.5% down at a 580 score, with more forgiving credit guidelines.
VA Loans
$0 down and no monthly mortgage insurance for eligible service members and veterans.
Jumbo Loans
Financing above the conforming limit, shopped across wholesale lenders.
HELOC & Home Equity
Access equity without disturbing your existing first mortgage.
HEI / HEA
Tap equity with no monthly payment and no interest.
Reverse Mortgages
For homeowners 62 and older, with no required monthly mortgage payment.
DSCR Investor Loans
Qualify on the property’s rental income instead of your personal income.
Bank Statement Loans
Qualify on 12 or 24 months of deposits instead of tax returns.
Cities We Serve in Pennsylvania
Licensing & Disclosure
Pennsylvania Mortgage Questions
Are you licensed in Pennsylvania?
Yes. Andrew Baker, NMLS 2688601, originates in Pennsylvania through West Capital Lending, Inc., NMLS 1566096. Pennsylvania is one of 33 licensed states — 28 where the full range of loan types is available and 5 limited to investment property loans. Pennsylvania borrowers have access to the full program set.
What loan programs are available in Pennsylvania?
Conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse mortgages, DSCR investor loans, and bank statement loans are all available in Pennsylvania. As a broker with 175+ wholesale lender relationships, Baker Lending can place a file in Pennsylvania with whichever lender's guidelines fit the borrower.
At what loan amount does a mortgage in Pennsylvania become jumbo?
The 2026 baseline conforming limit is $832,750 for a one-unit property in most Pennsylvania counties. Designated high-cost counties run higher, up to a ceiling of $1,249,125. Amounts above your county's limit are financed as jumbo loans. FHA limits in Pennsylvania start at a floor of $541,287 and vary by county.
Which Pennsylvania cities do you serve?
Baker Lending serves borrowers statewide in Pennsylvania, with dedicated pages for Allentown, Harrisburg, Philadelphia, Pittsburgh. Because the process runs by phone, e-sign, and secure upload, location inside the state is not a limitation — any Pennsylvania property address can be financed under the same licensing.
Ready to Get Started?
Fill out our quick form or apply directly through one of our lender portals.