Pennsylvania
Refinancing or Applying for a New Mortgage

At Gateway Funding, we think it's important that you view a home mortgage loan as an investment instead of an expense. We know that at first, a home mortgage loan can seem intimidating, but it’s actually a chance for you to strengthen your financial position, not hinder it.

Gateway Funding is more than a mortgage company in Philadelphia, PA but is also a mortgage banker, which means we have the ability to offer rates and terms that other lenders cannot. Our PA mortgage company takes the middleman out of the equation by designing our own PA mortgage products and financing mortgages with our own funds. What this all means for you is that we can find the right mortgage in the Philadelphia, PA region for your unique financial situation.

If you live in the Philadelphia, PA region and have bad credit, you might be worried that it will be difficult or impossible to get approved for a PA home mortgage loan. Fortunately, Gateway Funding is here to help those with bad credit obtain a mortgage. We will either give you tips on improving your credit score or determine whether a subprime mortgage may be right for you. Philadelphia and PA subprime mortgages are for borrowers with lower credit scores and usually carry a higher interest rate than conventional mortgages. We will also assist borrowers who need to refinance a subprime mortgage in Philadelphia, PA. 

The good news is that you have options, whether your credit is excellent or if you have bad credit and need a mortgage,  our mortgage experts are here to help, every step of the way. Below we have outlined the four main parts of the home mortgage loan application process so you know what to expect along the way.

  1. Determine a monthly home mortgage payment you can afford. Gateway Funding’s mortgage experts will help you determine the best PA home mortgage loan program according to your income, credit score, living expenses, etc.
  2. Get pre-qualified. Gateway Funding will pre-qualify you for free! Getting pre-qualified puts you ahead of the game. With a pre-qualification, you can start looking at beautiful Philadelphia homes while we find a mortgage loan for you.
  3. Complete the mortgage loan application process. Gateway Funding has even simplified this process for you. Just give us a call at 1-877-936-2677, or simply fill out our convenient online application form.
  4. Complete the closing process. Gateway Funding will coordinate everything so that all you have to do is show up to the settlement table, sign the necessary paperwork, and move into your brand-new home!

 Learn more about the types of mortgages in Pennsylvania.

Read about Gateway Funding's advantages being a Philadelphia, PA banker (not a broker), and how you will benefit.