Here are some of the questions we are frequently asked:

What is a Professional Mortgage Broker?
Lancaster Mortgage is here to help you obtain the best real estate loan for whatever your personal needs may be. Lancaster Mortgage is not tied to one source of funding. As a division of American Home Bank, Lancaster Mortgage even has the ability to portfolio individual loans that may not meet agency requirements. We have many different investors offering numerous programs.

Since each investor establishes his own criteria for credit, property and income, Lancaster Mortgage can match a borrower’s needs with a program that suits those needs. At Lancaster Mortgage you multiply your chances of getting a loan.


Who should use Lancaster Mortgage?
Lancaster Mortgage funds real estate secured loans, any current or prospective real estate owner can use our services. We can save you time and money by doing the shopping for you with the multiplicity of rates and programs available through our numerous investors. We may even secure you more favorable loan terms with waived fees or reduced points.


Will it take more time if I use Lancaster Mortgage?
Lancaster Mortgage will actually save you precious time by shopping the lending market for you. You make only one loan application. The loan request is then fully processed in the shortest time possible by a highly trained and professional staff. We will develop creative ways to untangle a buyer’s qualifying snags, such as poor credit or a brief work history. We humanize the lending process for all of our borrowers, even unique applications.


What about real estate loans other than a personal residence . . .
can Lancaster Mortgage help?
Lancaster Mortgage can handle any and all real estate loan transactions. Investment properties, and one- to four- unit apartment buildings are only a few of the other types of properties which a Mortgage Broker normally can handle.


When shopping for a loan compare rates, points and fees between lending institutions. The cost will be reflected in the APR (Annual Percentage Rate), and don’t forget . . .the bottom line is what it costs you!

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