Mortgage & Lender Information

Before you start shopping for your dream home the very 1st step is finding the right mortgage lender for YOU! You’ll want to have your pre-qualification ready so when you find that right home you’ll be ready to meet with your agent and write a qualified offer for your agent to present to the seller. While the internet is overwhelming with banks and lenders it is very important to find out if the lender is a direct lender with in-house processing and underwriting.

Anything less should be unacceptable to you as the buyer!

Insist on getting a written Good Faith Estimate with 24 hours from any lender you contact. This estimate will show all the detail charges that will appear on your Buyers closing disclosure settlement that will be issued to you 3 days before closing.


As buyers, here are a few questions you should be asking when applying for your mortgage:

  1. What are the rate and points that you’re charging for this mortgage?
  2. What is the APR?
  3. What are all the fees you’re going to charge me between now and settlement?
  4. Is there a pre-payment penalty?



  1. DO NOT! Deposit cash into your bank accounts or move money around.
  2. DO NOT! Make any large purchases (i.e. new car or furniture)
  3. DO NOT! Co-sign other loans for ANYONE!
  4. DO NOT! Change bank accounts.
  5. DO NOT! Apply for new credit. (unless advised to do so by your lender)
  6. DO NOT! Close ANY credit accounts.

Normally 5 – 10 days before your settlement a lender WILL pull your credit to make sure your balances have NOT increased from the time you made your mortgage application. If balances HAVE gone up, or any new credit appears on your report you may no longer qualify for the mortgage.

** ALWAYS discuss with your Loan Officer before doing anything **

Compliments of Wendy Lewers of Atlantic Home Loans.

Recommended Lenders:

Land Lenders:

First Northern Bank

4th & Lafayette Avenue
Palmerton, PA 18071

Lori Solt

Office: 610-824-2335

Mauch Chunk Trust

1111 North Street
Jim Thorpe, Pa 18229

Tim Klotz

Cell: 570-657-5831

Mid Atlantic Farm Credit

1513 Main Street
Shoemakersville, PA 19555

Rachael Vezzozi

Phone: 888-339-3334
Cell: 610-217-0231

Manufactured Home Lenders:

Approved Credit Services

2572 Erie Blvd. East
Syracuse, NY 13224

Bill Kousmanidis, President
First Credit Corporation

21 North Main Street
Gloversville, NY 12078

Daniel Rappleye
21st Mortgage

620 Market Street, Suite 100
Knoxville, TN  37902

Joy Williams
Phone: 800-955-0021 x1200
Tammac Corp.

613 Baltimore Drive
Wilkes-Barre, PA 18702

Tammac Representative
Triad Financial Services

125 Mooney Drive
Bourbonnais, IL 60914

Triad Representative

Home Inspection Services:

Our New Listings

1932 E Thayer St., Philadephia, PA

  • $125,000
  • Beds: 3
  • Bath: 1
  • Single Family Home

159 Ashley Ln., Lehighton, PA

  • $139,500
  • Beds: 3
  • Baths: 2
  • Garages: 2
  • Manufactured

244 Sawmill Rd., Lehighton, PA

  • $199,500
  • Beds: 2
  • Bath: 1
  • Single Family Home

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