Scranton, PA
Your first Scranton home, within reach.
We put conventional, first-time-buyer, FHA to work for Scranton buyers — matched to your file, whether the address is Green Ridge or anywhere else in Scranton.
Who can help me get a mortgage in Scranton, PA?
Choice Home Mortgage can. We arrange Scranton home loans through licensed partner brokers in Pennsylvania and coordinate each Scranton file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Scranton, FHFA's 2026 one-unit limit is $832,750 (Lackawanna County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What financing a Scranton home really takes.
Scranton is one of the most affordable mid-size cities in the Northeast, with a deep inventory of Victorian and early-20th-century single-family homes attracting first-time buyers priced out of Philadelphia and New York; remote-worker relocation and a hospital-anchored economy drive steady appreciation without pricing out the traditional base.
That Scranton market shapes the loan. The 2026 conforming number for Scranton buyers in Lackawanna County is $832,750 — the baseline every Scranton file starts from. For the typical Scranton purchase, $832,750 is headroom, not a hurdle — Scranton files keep conventional, FHA, and down-payment-assistance open. As a market, Scranton runs entry-level. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Green Ridge over to Minooka, Scranton’s 75,000-plus residents sit within minutes of Wilkes-Barre and Dunmore. Steamtown National Historic Site to the Scranton line — that’s ground we know well. Name the Scranton neighborhood — Green Ridge, Hill Section, South Side, and Minooka or beyond — and we finance there. Searching “mortgage broker near me” from Scranton? We cover Scranton by phone and online — Scranton-level market help, no office visit. Pennsylvania coverage here spans 13 cities, Scranton among them — each on its own county limits, each shopped the same way.
One file, many lenders, Scranton terms.
Scranton, block by block
From Green Ridge, Hill Section, South Side to Steamtown National Historic Site, we track what Scranton homes really cost and which loans carry them.
First-time & assistance
The Scranton starting lineup is usually conventional, first-time-buyer, FHA; we add whichever down-payment help your Scranton budget is eligible for.
Lenders shopped for you
We make lenders compete for Scranton business instead of squeezing Scranton buyers into a single bank's box.
The owner, coordinating
Esther Buede, the owner, coordinates your Scranton loan start to finish; our Google reviews show Scranton buyers why that matters.
The owner coordinates your file. Personally.
Every Scranton file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Scranton plans, Hill Section or anywhere in Scranton, and your name from the first call. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Built around your Scranton home, not a shelf product.
Around Steamtown National Historic Site, conventional remains the workhorse of Scranton lending. The Scranton playbook usually starts with conventional, first-time-buyer, FHA, arranged through licensed partner brokers — then we shop whatever your Scranton file calls for: conventional, non-QM, an FHA loan, and VA. Start when you’re ready: buying, exploring a refinance, or just exploring — get started here or call (949) 522-7310.
Scranton files here lean on FHA, conventional, first-time-buyer, down-payment-assistance.
Scranton borrowers who work for themselves get their own path here, qualifying on bank-statement income instead of W-2s. Lackawanna County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Scranton is the center, not the edge — Wilkes-Barre, Dunmore, Kingston are covered too. More Pennsylvania cities we work in →
Working with Scranton, PA buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. Scranton is served remotely — we keep no office there.
Scranton mortgage questions, answered.
What loan size keeps a Scranton mortgage conforming?
The 2026 conforming loan limit for a one-unit home in Scranton is $832,750, the figure FHFA set for Lackawanna County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Lackawanna County conforming limit is $1,066,250.
What's the usual first mortgage for a Scranton buyer?
For a first home in Scranton, the usual choices are FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Lackawanna County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Scranton?
Yes, we cover all of Scranton, including Green Ridge, Hill Section, South Side and Minooka. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Green Ridge and Minooka, and we coordinate them by phone and online.
Are you set up to arrange loans in Scranton, PA?
Yes. Scranton loans are arranged through licensed partner brokers in Pennsylvania, with Choice Home Mortgage coordinating the file. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
I'm shopping Scranton and the next town over: is that covered?
Yes. You can compare homes in Scranton with Wilkes-Barre, Dunmore and Kingston on one file. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Scranton file.
What does the mortgage process look like from Scranton?
From Scranton, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. A licensed partner broker in Pennsylvania originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Ready for your Scranton address?
Tell us where in Scranton you're headed — the program match and the Scranton lender legwork are on us.