Home Loans With Local Guidance From Start to Finish

Whether you’re buying your first home, building, refinancing, or planning your next move, Somerset Trust can help you understand your mortgage options and move forward with a local lender by your side.

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Find the Mortgage That Fits Your Home Goals

A mortgage is a big decision, but you do not have to sort through it alone. Our local mortgage team can help you compare loan options, understand the process, and choose a path that fits your home, budget, and goals.

Conventional & Fixed-Rate Mortgages

A conventional fixed-rate mortgage can give you steady principal and interest payments for the life of your loan. It’s a helpful option if you want predictability while buying a home or refinancing your current mortgage.

Best for

Buyers and homeowners who want a stable monthly principal and interest payment over time.

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FHA Loans

A Federal Housing Administration (FHA) loan is a government-insured mortgage option that may help qualified borrowers buy a home with a lower down payment and more flexible credit guidelines.

Best for

Qualified buyers who may need more flexible down payment or credit options.

USDA Loans

A U.S. Department of Agriculture (USDA) loan may help qualified buyers purchase eligible homes in rural communities. Income, location, and property requirements apply, and our team can help you understand what to expect.

Best for

Qualified buyers purchasing an eligible home in a rural or qualifying area.

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PHFA Loans

Pennsylvania Housing Finance Agency (PHFA) programs may help eligible buyers access home financing and possible assistance with down payment or closing costs.

Best for

Eligible Pennsylvania buyers who may benefit from state-supported mortgage or assistance programs

Construction & Renovation Loans

Build a new home, buy and customize a property to fit your needs, or renovate your current space with financing designed around your project. Somerset Trust can help you understand the process, from planning to completion.

Best for

Customers building, improving, or renovating a home with a defined project plan.

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Manufactured Home Loans

Somerset Trust offers financing options for eligible single-wide and double-wide manufactured homes. Property type, foundation, title, and underwriting requirements may apply.

Best for

Customers purchasing or refinancing an eligible manufactured home.

Adjustable-Rate Mortgages

An adjustable-rate mortgage may offer a lower starting rate, with the rate changing later based on the loan terms. Our team can help you understand how the rate works before you decide.

Best for

Customers who want to explore a lower initial rate and understand how future adjustments may work.

How the Mortgage Process Works

From the first conversation to closing day, our mortgage team helps you understand what to expect, what information you may need, and which next step makes sense for your home goals.

Get Prequalified

Complete a prequalification application to begin the loan process and to receive an estimate for how much mortgage you can afford.
Connect With A Lender

Contact us, stop by a branch, or submit an online inquiry to be connected with a lender.
Review Your Options

A local mortgage lender will work with you to understand your goals and compare available loan paths, requirements, and next steps.
Move Toward Closing

Once approved, we’ll guide you through documentation, closing details, and final loan steps.

Connect With a Local Mortgage Lender

Whether you're ready to get started or simply have questions, our mortgage lenders are here to help. Find the lender who serves your area and connect directly for personalized guidance throughout the home loan process.

Meet Our Mortgage Lenders

Mortgage FAQs

A mortgage comes with a lot of moving parts. These answers can help you understand a few common questions before you connect with a Somerset Trust mortgage lender.

What is the difference between prequalification and approval?

Prequalification is an early step that helps estimate what you may be able to borrow based on information you provide. Final approval requires a completed application, documentation, underwriting review, and satisfaction of loan requirements.

How do I know which mortgage option is right for me?

The right mortgage depends on your home goals, budget, property type, income, credit profile, and eligibility for certain programs. A Somerset Trust mortgage lender can help you compare options and understand which path may fit your situation.

Can Somerset Trust help with construction or renovation financing?

Yes. Somerset Trust offers construction and renovation loan options that may help you build a new home, purchase with improvements, or renovate your current space. Project, builder, property, and underwriting requirements apply.

Do I have to be a first-time homebuyer to apply for a mortgage?

No. Somerset Trust works with first-time buyers, repeat buyers, homeowners looking to refinance, and customers exploring construction, renovation, or other mortgage options.