Find the Right Mortgage for You
Finding the right mortgage isn't one-size-fits-all. At Barren Hill Mortgage, we shop dozens of lenders to match you with the right loan based on your goals, income, and long-term plans across Pennsylvania.
Home Purchase
Buying a home in Pennsylvania? We help buyers across Philadelphia and Montgomery County secure competitive financing.
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.
Fixed-Rate Mortgage
Stable Pennsylvania mortgage with predictable payments.
ARM
Initial lower rates with periodic adjustments based on market conditions.
Jumbo Loan
Financing for higher-priced Pennsylvania homes.
Conventional Loan
Competitive conventional loans in PA.
Low Down Payment Options
Buy with as little as 3% down in PA.
Bridge Loans
Buy before selling your current home in PA.
Construction Loans
Build a home in Pennsylvania.
Refinance
Lower your rate, access equity, or simplify your existing loan with refinancing options tailored to Pennsylvania homeowners.
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.
HELOC
Flexible access to your home's equity for renovations, debt consolidation, or unexpected expenses.
Rate & Term Refinance
Lower rate refinance in Pennsylvania.
Cash-Out Refinance
Access home equity in PA.
FHA Streamline
Simplified FHA refinance in PA.
VA IRRRL
Streamlined VA refinance in Pennsylvania.
Investment Property
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios across Pennsylvania.
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.
Investment Property Loans
Rental property loans in Pennsylvania.
DSCR Loans
Investor loans based on rental income in Pennsylvania.
Fix & Flip Loans
Short-term investment loans in PA.
Rental Portfolio Loans
Finance multiple properties in PA.
DSCR No Ratio Loans
No income verification in PA.
Non-QM Loans
Alternative qualification options for self-employed borrowers, independent contractors, and non-traditional income situations in PA.
Non-QM & Alternative Loans
Self-employed? Qualify with bank statements, 1099s, or assets — not tax returns.
Interest-Only Loans
Flexible payment options in PA.
Bank Statement Loans
Qualify using deposits in PA.
Asset Depletion
Use assets to qualify in PA.
1099 Loans
For independent contractors in Pennsylvania.
P&L Loans
Use CPA-prepared income statements in PA.
Recent Credit Event Loans
Options after bankruptcy or foreclosure in PA.
High DTI Loans
Higher debt-to-income approvals in PA.
Foreign National Loans
Non-US buyer financing in Pennsylvania.
FHA / VA / USDA
Government-backed loan programs with flexible guidelines and low or zero down payment options for eligible Pennsylvania buyers.
First-Time Buyer Programs
Special programs designed to help first-time homebuyers in Pennsylvania get into their first home with flexible terms.
Not Sure Which Loan Is Right for You?
Contact Barren Hill Mortgage to review your options and get pre-approved.