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Now Lending in Harrisburg

Harrisburg home loans —
Pennsylvania's capital city.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Harrisburg and Dauphin County. From riverfront rowhomes in Shipoke to revitalized Midtown blocks, we bring local guidance to the state capital — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Dauphin County
Harrisburg Coverage
14 days*
Close In As Little As
$832,750
2026 Dauphin County Conforming Limit
5.0 ★
Google Review Rating
Harrisburg Markets

Local lending across
every Harrisburg neighborhood.

Harrisburg Neighborhoods

Historic riverfront blocks, a walkable Midtown arts scene, and established uptown streets.

  • Midtown & the Capitol area
  • Uptown & Riverfront
  • Shipoke
  • Allison Hill & the suburbs
Capital Stability

A steady government, healthcare, and logistics economy at the center of the state.

  • First-time & relocation programs
  • VA-friendly lending
  • Dauphin County coverage
  • Minutes to I-83 & I-81
Every Kind of Harrisburg Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • Rowhome rehab & renovation loans
  • FHA & VA financing
  • Investment & rental properties (DSCR)
MidtownUptownShipokeRiverfrontCapitol areaAllison HillBellevue ParkItalian LakeDowntown
Loan Programs in Harrisburg

Financing for every
kind of Harrisburg buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Harrisburg homebuyers.

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VA Loans

0% down for Harrisburg's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Harrisburg's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Harrisburg investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Harrisburg's self-employed borrowers.

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FAQ

Harrisburg mortgage
questions answered.

We serve homebuyers and homeowners throughout Harrisburg and Dauphin County, including Midtown, Uptown, Shipoke, and the Riverfront, plus the surrounding suburbs.
The 2026 conforming loan limit is $832,750 in Dauphin County, including Harrisburg. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Harrisburg borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Harrisburg home journey?

Get pre-approved today — no cost, no obligation. Harrisburg borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825