Barren Hill Mortgage LLC.
Better Rates. Smarter Financing. Local Mortgage Expertise.
We compare dozens of lenders to find you lower rates, better terms, and options most banks won’t show you.
$100M+
In Loans Funded
1,000+
Homeowners Served
99%
Customer Satisfaction
5.0/5.0
Review Rating
Our Expertise
Loan Options
We specialize in finding the right loan for every borrower, offering personalized solutions that big banks often overlook. From first-time buyers to seasoned investors.
Home Purchase Loans
Whether you're upgrading, downsizing, or relocating, we tailor your home loan to smoothly transition you from your current home to your next.
Mortgage Refinancing
Refinance to fit your current goals—lower payments, shorter terms, or cash out. We shop multiple lenders to find the best options for you.
Non-QM & Alternative Loans
Self-employed? Qualify with bank statements, 1099s, or assets — not tax returns.
Investment Property Financing
Build long-term wealth with real estate. We offer investment financing, including DSCR loans, focused on property income—not just your personal DTI.
FHA Loan
Low down payment FHA loans in PA with flexible credit.
First-Time Homebuyer Programs
PA programs with flexible guidelines.
Simple Process
Seamless Mortgage Process
01
Apply Online
Complete our streamlined online application in minutes.
02
Get Pre-Approved
Receive a strong pre-approval backed by dozens of lenders.
03
Find the Right Home or Loan
Compare options and choose the best fit for your goals.
04
Close with Confidence
Transparent process from underwriting to keys.
Testimonials
Voices of Trust
“Working with Andrew was great, he was extremely knowledgeable and did an awesome job explaining things! He was very organized, and always quick to answer any questions I had along the way. There are always many things to do and worry about when purchasing a home or investment property, but thanks to Andrew and his team, getting the mortgage was one less thing I had to worry about. I highly recommend reaching out to Andrew for help with your next deal!”
DH
Devin Hood
Google Review
“Highly recommend Andrew! He has been professional, responsive, SUPER helpful when it came to all my questions and concerns, he made the process easy and stress-free. The clear communication gave me total confidence from the start. Couldn’t have asked for a better experience!”
BC
Brittany Coll
Google Review
“Nothing but good things to say about Andrew! He is very easy to work with and is very knowledgeable in his craft. I would absolutely recommend him to any one who is a first time home buyers and I plan to continue working with him in the foreseeable future.”
KL
Kin Lu
Google Review
“It was such a pleasure to work with Andrew. He is incredibly responsive, knowledgeable and willing to answer questions or explain anything you may not know about the financial aspect of the home buying process. He was effective at communicating requests clearly to us and working well ahead of deadlines. I would recommend working with Andrew!”
SK
Shrishti Kedia
Google Review
“Andrew was an incredible lender to work with. He works very fast and efficiently. I was in a super competitive offer situation for my client, Adam and Mackenzie and he came through 100% he was on the phone with the listing agent immediately. We were able to do a quick closing in three weeks with zero issues on his end. I would strongly recommend anyone working with Andrew. Thanks again man!!”
MF
Michael Flatley
Google Review
“Working with Andrew was great, he was extremely knowledgeable and did an awesome job explaining things! He was very organized, and always quick to answer any questions I had along the way. There are always many things to do and worry about when purchasing a home or investment property, but thanks to Andrew and his team, getting the mortgage was one less thing I had to worry about. I highly recommend reaching out to Andrew for help with your next deal!”
DH
Devin Hood
Google Review
“Highly recommend Andrew! He has been professional, responsive, SUPER helpful when it came to all my questions and concerns, he made the process easy and stress-free. The clear communication gave me total confidence from the start. Couldn’t have asked for a better experience!”
BC
Brittany Coll
Google Review
“Nothing but good things to say about Andrew! He is very easy to work with and is very knowledgeable in his craft. I would absolutely recommend him to any one who is a first time home buyers and I plan to continue working with him in the foreseeable future.”
KL
Kin Lu
Google Review
“It was such a pleasure to work with Andrew. He is incredibly responsive, knowledgeable and willing to answer questions or explain anything you may not know about the financial aspect of the home buying process. He was effective at communicating requests clearly to us and working well ahead of deadlines. I would recommend working with Andrew!”
SK
Shrishti Kedia
Google Review
“Andrew was an incredible lender to work with. He works very fast and efficiently. I was in a super competitive offer situation for my client, Adam and Mackenzie and he came through 100% he was on the phone with the listing agent immediately. We were able to do a quick closing in three weeks with zero issues on his end. I would strongly recommend anyone working with Andrew. Thanks again man!!”
MF
Michael Flatley
Google Review
“Working with Andrew was great, he was extremely knowledgeable and did an awesome job explaining things! He was very organized, and always quick to answer any questions I had along the way. There are always many things to do and worry about when purchasing a home or investment property, but thanks to Andrew and his team, getting the mortgage was one less thing I had to worry about. I highly recommend reaching out to Andrew for help with your next deal!”
DH
Devin Hood
Google Review
“Highly recommend Andrew! He has been professional, responsive, SUPER helpful when it came to all my questions and concerns, he made the process easy and stress-free. The clear communication gave me total confidence from the start. Couldn’t have asked for a better experience!”
BC
Brittany Coll
Google Review
“Nothing but good things to say about Andrew! He is very easy to work with and is very knowledgeable in his craft. I would absolutely recommend him to any one who is a first time home buyers and I plan to continue working with him in the foreseeable future.”
KL
Kin Lu
Google Review
“It was such a pleasure to work with Andrew. He is incredibly responsive, knowledgeable and willing to answer questions or explain anything you may not know about the financial aspect of the home buying process. He was effective at communicating requests clearly to us and working well ahead of deadlines. I would recommend working with Andrew!”
SK
Shrishti Kedia
Google Review
“Andrew was an incredible lender to work with. He works very fast and efficiently. I was in a super competitive offer situation for my client, Adam and Mackenzie and he came through 100% he was on the phone with the listing agent immediately. We were able to do a quick closing in three weeks with zero issues on his end. I would strongly recommend anyone working with Andrew. Thanks again man!!”
MF
Michael Flatley
Google Review
Frequently Asked
Do you work with first-time investors?
Yes. Some lenders allow first-time investors while others require prior experience. We help match scenarios to lenders based on experience level and property type.
Do commercial loans require tax returns?
Some programs do while others may offer alternative documentation options depending on the transaction structure and lender requirements.
Can I qualify without traditional W-2 income?
Potentially. Some commercial and DSCR loan programs focus more heavily on property cash flow, asset strength, reserves, and overall investment profile rather than traditional income documentation.
Do you offer financing for LLC-owned properties?
Yes. Many commercial and DSCR financing programs allow vesting in an LLC or business entity structure depending on the lender and transaction type.
What makes your pre-approval stronger?
I go beyond basic pre-approvals — fully reviewing your income, assets, and credit upfront so your offer stands out and there are no surprises at closing.
Do you work with first-time buyers?
I specialize in helping first-time buyers understand the process, access available grants, and move forward with confidence every step of the way.
Can I refinance later?
Refinancing can help you lower your rate, access equity, or improve your overall financial position when the timing is right.
Should I choose a fixed rate or an ARM?
It depends on your plans. Fixed rates offer long-term stability, while ARMs can provide lower starting rates — I’ll help you choose based on how long you plan to keep the home.
What is PMI and can I avoid it?
PMI (Private Mortgage Insurance) applies when you put less than 20% down on conventional loans. Some programs have reduced or no PMI options—I’ll walk you through those.
What are closing costs?
Closing costs are typically 2–5% of the purchase price and include lender fees, title, taxes, and insurance. In many cases, we can offset these with seller credits.
Can I use gift funds for my down payment?
Yes—most loan programs allow it. We just need a simple paper trail from the person gifting the funds.
Can I buy before selling my current home?
Yes. There are a few options: Contingent offers Bridge strategies Using equity from your current home I’ll help structure it so it works smoothly.
How much can I afford?
That depends on your income, debts, credit score, and down payment. I’ll break everything down for you and give you a comfortable range—not just a max number.
What documents do I need to get pre-approved?
Typically, you’ll need recent pay stubs, W-2s, tax returns (if applicable), bank statements, and a valid ID. We’ll guide you through exactly what’s needed.
How long does the mortgage process take?
Most home loans close within 21–30 days, depending on the loan type and how quickly documents are provided.
What does a mortgage broker do?
A mortgage broker shops your loan with multiple lenders to find competitive rates and loan options. Instead of going to one bank, you get access to dozens of lenders with one application.
Is it better to use a mortgage broker or a bank?
A mortgage broker typically offers more flexibility and options because they are not tied to one lender. Banks can only offer their own products, while brokers can compare multiple programs to find a better fit.
How much do I need for a down payment?
Down payments can vary depending on the loan program. Some buyers qualify with as little as 3% down for conventional loans, 3.5% for FHA, and 0% down for VA or USDA loans if eligible.
What credit score do I need to buy a home?
Most conventional loans require a 620+ credit score, while FHA loans may allow lower scores. We also offer alternative programs for borrowers with unique credit situations.
What is a pre-approval and why is it important?
A pre-approval is when we review your credit, income, and assets to determine how much you can qualify for. It strengthens your offer and shows sellers you are a serious buyer.
Ready to Start Your Journey Home?
Connect with Andrew Haff and the Barren Hill Mortgage team to explore your options. No obligation, just honest guidance.