Pennsylvania Home Loans

I grew up in Pittsburgh and still have a home there. I help buyers and homeowners across Pennsylvania compare loan programs and plan each step, from the first conversation to closing.

Justin Lazzaro, NMLS #1229453 | Reasy Financial, LLC, NMLS #2446155 | Licensed in Arizona, Pennsylvania, Florida, and Texas

How I help in Pennsylvania

Whether you are buying your first home, moving up, renovating an older house, or buying a rental, I will walk you through the options that fit your plans.

Buying a home

Conventional, FHA, VA, and USDA loans, plus down payment assistance where you qualify. I help you compare them side by side before you choose.

Compare home loan options

Older homes and renovations

Much of Pennsylvania's housing is decades old. A renovation loan can finance the purchase and the repairs together, so you can buy the house you like and fix what it needs.

Learn about renovation loans

Rental property

DSCR and conventional investment loans for single-family rentals and small multifamily buildings. Some programs qualify the purchase on the property's expected rent.

Learn about DSCR loans

Pennsylvania details that affect your loan

A few things work differently here, and knowing them early keeps your purchase on schedule.

  1. Realty transfer tax

    Pennsylvania charges a realty transfer tax, and many municipalities and school districts add their own. Buyers and sellers often split it, and it shows up in your closing costs, so I include it in your estimate from the start.

  2. Municipal inspections

    Many Pennsylvania municipalities require a resale or occupancy inspection before a home changes hands. Repairs it flags can affect your timeline, so it helps to know the local rules early.

  3. Property taxes

    Property taxes here come from the county, the municipality, and the school district, and they vary from one town to the next. They are part of your monthly payment, so I use the tax figures for the home you choose.

Pennsylvania closings are usually handled by a title or settlement company, which coordinates the documents and funds for both sides.

Help with the down payment

Pennsylvania has state and local down payment assistance programs, including programs from the Pennsylvania Housing Finance Agency. Each one has its own income limits, price limits, and list of participating lenders. Tell me where you want to buy, and I will tell you which programs I can offer for your purchase. I am a mortgage broker, not a government agency.

Learn how down payment assistance works

Pennsylvania home loan questions

Short answers to common questions. Program rules vary by lender, so treat these as general guidance, not a loan decision.

Are you licensed in Pennsylvania?

Yes. I hold a Pennsylvania mortgage loan originator license (73668), and Reasy Financial, LLC holds a Pennsylvania mortgage broker license (107748). You can confirm both on NMLS Consumer Access.

Do you only work in the Pittsburgh area?

No. I am licensed across Pennsylvania and work with buyers and homeowners statewide. Pittsburgh is where I grew up and where I still have a home.

Can I buy a home that needs work?

Yes. Renovation loans such as FHA 203(k) and Fannie Mae HomeStyle can include the cost of repairs in the loan. The home and the repair plan both have to meet program rules, and I will walk you through them.

Do you help with refinancing in Pennsylvania?

Yes. I help with rate and term refinances, cash-out refinances, VA refinances, and HELOCs. I will show you the costs and the long-term math so you can decide whether a refinance fits your goals. Learn about refinancing

How long does it take to close?

It depends on the loan type, the appraisal, any municipal inspection, and how quickly documents come in. I give you a timeline at the start and keep you and your agent updated at each step.

Do you work with Pennsylvania real estate agents?

Yes. If you already have an agent, I coordinate with them from offer to closing. If you need one, I can introduce you to agents I know.

Ready to talk it through?

Pick a time that works for you. We'll go over your goals and next steps, no pressure, just a conversation. Prefer to call or text instead? Reach me directly at (412) 638-4982, or book a quick Zoom if that's easier.