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Pennsylvania Equity Mortgage, Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.


 

If you are here for a mortgage... YOU MUST READ THIS !!!
Pennsylvania Equity Mortgage Inc. explains how rates actually work and how a different rate would affect you on a Home Refinance Loan OR the amount of cash you will need at closing on a Home Purchase. After discussing your goals, objectives, needs and wants, we discuss with you ALL of the wholesale rates, terms, and choices that are available for YOU to choose. Unlike the local retail banks, credit unions, or "out of town lender" that dictates the rate you are to receive, we discuss all rates, rate levels and options available in order to customize to your unique situation, accomplishing the very things your need and want done. Imagine going to a big open car lot with every make, model, color, size, etc. of every manufactured car, truck, commercial vehicle available in the United States. After the sales person greets you, and discusses how good THEY ARE at selling cars, they then proceed to TELL YOU which vehicle you are going to take home with you, with no other questions asked or answered, explanations, or choices available to you. Period!, Done Deal, Good Luck Mr. and Mrs. Consumer, enjoy your new dump truck! As a courtesy to you, we've even filled the back of it with Bull Manure at no extra charge! Well, maybe you don't need a Big Yellow Dump truck to drive to work in. Maybe a Lamborghini Veneno just doesn't quite fit into your needs or budget for your son and/or daughter to drive around in. In this Great Country of Ours, You are free to pick which vehicle fulfills your goals, objectives, needs and wants. So why don't you get to do the same for Mortgage Rates and Products? Why would any consumer be subject to a specific rate, term, program, etc. dictated by an arrogant loan originator if it doesn't satisfy the same as above (goals, objectives, needs and wants)? I believe the reason is two-fold. FIRST, the loan originator does not or cannot provide the required knowledge and education to the consumer to make the most informed choice; and SECOND, which is more importance as the first reason, is that consumers have no idea that they even have a choice to begin with. But with other lenders, banks, credit unions, consumers are not made aware of things such as these. Your rate, my friend, is the Big Yellow Dump Truck, with the Bull Crap included, no extra charge....so enjoy! Remember this: "The most important question to ask a loan officer is NOT: "What mortgage rate can I get?". The most important question is: "By selecting this particular rate, what does this mortgage rate DO for me?".