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Now Lending in Lancaster

Lancaster home loans —
the Red Rose City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Lancaster and Lancaster County. From restored city rowhomes to farmland on the edge of town, we bring local guidance to the Red Rose City — 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
Lancaster County
Lancaster Coverage
14 days*
Close In As Little As
$832,750
2026 Lancaster County Conforming Limit
5.0 ★
Google Review Rating
Lancaster Markets

Local lending across
every Lancaster neighborhood.

Lancaster Neighborhoods

A thriving walkable downtown, historic working-class hills, and fast-growing surrounding townships.

  • Downtown & Music District
  • Cabbage Hill & the Northwest
  • School Lane Hills
  • Manheim & East Hempfield Townships
Arts & Agriculture

A nationally recognized food, arts, and tourism scene set against rich agricultural land.

  • First-time & relocation programs
  • New-construction financing
  • Lancaster County coverage
  • Minutes to Route 30 & Downtown
Every Kind of Lancaster Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • Historic rehab & renovation loans
  • FHA & VA financing
  • Investment & rental properties (DSCR)
DowntownMusic DistrictCabbage HillSchool Lane HillsNorthwestChestnut HillManheim TownshipEast HempfieldGrandview Heights
Loan Programs in Lancaster

Financing for every
kind of Lancaster buyer.

FHA Loans

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

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VA Loans

0% down for Lancaster'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 Lancaster's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Lancaster mortgage
questions answered.

We serve homebuyers and homeowners throughout Lancaster and Lancaster County, including Downtown, Cabbage Hill, School Lane Hills, and the Northwest, plus Manheim and East Hempfield Townships.
The 2026 conforming loan limit is $832,750 in Lancaster County, including Lancaster. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Lancaster 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 Lancaster home journey?

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

Start My Application Call (561) 299-5825