Buy with confidence.

With guidance from experienced local mortgage professionals and access to top lenders nationwide, you can shop confidently knowing you’re getting expert advice and the best loan for your needs at the lowest possible cost.

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Mortgage Products

At Philadelphia Mortgage Company, we offer a broad and flexible portfolio of mortgage products designed to meet borrowers where they are no matter how simple or complex the scenario. From traditional homebuyers to seasoned investors, our lending solutions are built to adapt to your unique financial picture.

Our programs include conventional financing, fixed- and adjustable-rate mortgages, jumbo financing, Veteran loan products, non-QM options for non-traditional income borrowers, real estate investor loans, down payment assistance programs, rehabilitation loans, bridge financing, and much more.

Because no two borrowers are the same, we don’t believe in one-size-fits-all lending. Our team tailors each recommendation and decision around your specific goals, income structure, and long-term plans.

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Frequently Asked Questions

  • Getting started is simple. The first step is a quick conversation to understand your goals, followed by a mortgage pre-approval so you can shop for a home with confidence.

  • A pre-approval shows how much you can borrow based on your income, credit, and assets. It strengthens your offer and lets sellers know you’re a serious, qualified buyer. Sellers often favor offers backed by a respected local lender.

  • Your budget depends on your income, debts, credit profile, and down payment. We help you determine a comfortable monthly payment and loan amount that fits your financial goals so you can shop with confidence.

  • The process includes pre-approval, home shopping, loan application, underwriting, and closing. We guide you through each step so there are no surprises along the way.

  • Most borrowers provide income documents, asset statements, and identification. We’ll give you a clear checklist upfront to make the process smooth and stress-free.

  • We compare multiple loan options across top lenders to find the program that best fits your goals whether that’s the lowest monthly payment, lowest down payment, or most flexibility.

  • Your credit score can impact your interest rate, loan options, and overall cost of your mortgage. Higher scores often qualify for better terms, while lower scores may still have options available. We review your credit and help you identify the best path forward based on your goals.

  • In addition to your down payment, you may have closing costs such as lender fees, title services, and prepaid taxes or insurance. We review all costs upfront so you know what to expect.

Real Estate
Investment Loans

  • Our DSCR (Debt Service Coverage Ratio) loans allow you to qualify using the property’s rental income not your personal tax returns.

    Perfect for:

    • Long-term rental properties

    • Short-term rentals (Airbnb/STR)

    • Self-employed investors

    • Portfolio expansion

    • 1 - 10 Unit Properties

    ✔ No income verification
    ✔ Investor-friendly guidelines
    ✔ Scalable financing

  • Designed for self-employed investors and business owners who don’t show their true income on tax returns.

    Perfect for:

    • Business owners

    • Independent contractors

    • Real estate entrepreneurs

    • Investors with write-offs

    ✔ Uses CPA-prepared P&L statements
    ✔ No tax return required
    ✔ Flexible underwriting
    ✔ Great for portfolio growth

  • Qualify using your actual bank deposits instead of traditional income documentation.

    Ideal for:

    • Self-employed investors

    • 1099 earners

    • Small business owners

    • Cash-heavy businesses

    ✔ 12–24 months bank statements
    ✔ No W2s or tax returns
    ✔ Higher approval flexibility
    ✔ Investor-friendly programs

  • Finance your purchase or refinance and renovation costs into one conventional loan.

    Great for:

    • Light to major renovations

    • Owner-occupied or investment properties

    • Long-term holds

    • Value-add projects

    ✔ Single closing
    ✔ Competitive conventional rates
    ✔ Up to 75% of ARV
    ✔ Approved contractor required

  • A powerful renovation loan option with more flexibility for unique projects.

    Best for:

    • Structural improvements

    • Disaster repairs

    • Energy-efficient upgrades

    • Investment properties

    ✔ Includes luxury upgrades
    ✔ Allows DIY (limited scope)
    ✔ Conventional loan terms
    ✔ Appraised on future value

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