Now Lending in Philadelphia
Philadelphia home loans —
the City of Brotherly Love.
Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Philadelphia and Philadelphia County. From historic rowhomes in Society Hill to converted lofts in Fishtown, we bring local guidance to Pennsylvania's largest city — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.
Philadelphia County
Philadelphia Coverage
14 days*
Close In As Little As
$832,750
2026 Philadelphia County Conforming Limit
5.0 ★
Google Review Rating
Philadelphia Markets
Local lending across
every Philadelphia neighborhood.
Philadelphia Neighborhoods
A dense patchwork of historic districts, revitalized riverwards, and leafy northwestern enclaves.
- Center City & Rittenhouse
- Fishtown & Northern Liberties
- Manayunk & East Falls
- Chestnut Hill & Mount Airy
Eds, Meds & Rowhomes
A stable economy anchored by universities and hospitals, with deep first-time-buyer rowhome stock.
- First-time & rehab programs
- Condo & loft financing
- Philadelphia County coverage
- Minutes to University City & Center City
Every Kind of Philadelphia Buyer
From first homes to move-up, luxury, and investor purchases.
- First-time & move-up buyers
- Rowhome rehab & renovation loans
- Jumbo financing for Rittenhouse luxury
- Investment & rental properties (DSCR)
Center CityRittenhouseFishtownNorthern LibertiesManayunkEast FallsChestnut HillMount AirySociety Hill
Loan Programs in Philadelphia
Financing for every
kind of Philadelphia buyer.
FAQ
Philadelphia mortgage
questions answered.
We serve homebuyers and homeowners throughout Philadelphia and Philadelphia County, including Center City, Rittenhouse, Fishtown, Northern Liberties, Manayunk, and Chestnut Hill, plus the wider city.
The 2026 conforming loan limit is $832,750 in Philadelphia County, including Philadelphia. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
Philadelphia 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 Philadelphia home journey?
Get pre-approved today — no cost, no obligation. Philadelphia borrowers, let's get you to the closing table.