Karen Super

Buying a home is one of the biggest financial decisions you are likely to make. Like most big tasks, it’s much easier to accomplish with a knowledgeable professional by your side.

Our extremely knowledgeable Mortgage Loan Originators understand the importance of your transaction and will take the time to explore various options to determine the appropriate mortgage for your particular needs.

1. Pre-Qualification. An online pre-qualification gives us a basic overview of your income, debts and assets. This allows us to get an idea of which home loan is right for you. We are more than happy to do an in-person pre-qualification if you so prefer.
2. Application. For your initial meeting, we suggest you bring the items listed in our blog post, “What Do I Need for a Mortgage Application?” Providing this information can speed up the mortgage process, as it allows your loan originator to retrieve your credit information, evaluate your application, and qualify you for a loan program that suits your financial needs.
3. Processing. Once you let us know that you intend to proceed, your Howard Hanna Mortgage team will begin to process your loan. We will verify the information provided in your application, as well as order an appraisal of the property you are purchasing. Throughout the process, our team will update you on the status of your home loan.
4. Approval. Our underwriters will thoroughly review your application, focusing on the following key factors: your employment history and stability, income as compared to your outstanding debts, credit history, available funds for down payment and closing costs, the appraisal of your property. We may identify additional conditions that must be satisfied before final approval can be issued. When all conditions are cleared, your loan is approved. Written notification of your approval will be sent to you.
5. Closing. Barristers, our closing company, will make your loan closing easier. Once you receive the final home loan approval, your Howard Hanna Mortgage team will prepare your closing documents and forward them to Barristers. A settlement coordinator will contact you to schedule a signing appointment. Once all required documents are signed and recorded, your home purchase is complete! Congratulations, and welcome home!

Our Mortgage Loan Programs.

At Howard Hanna Mortgage Services, we offer a variety of mortgage loan programs tailored to you.**

My First Home

This program allows qualifying borrowers to reduce the cash required upfront by rolling some of their costs into the rate. My First Home program borrowers are able to finance many of the closings costs associated with purchasing a home, making it easier and more affordable to become a homeowner!

Fixed Rate

We offer a wide range of traditional, fixed-rate mortgage programs with various terms that can be tailored to fit your specific needs and long-term financial goals.

Adjustable Rate (ARMs)

The interest rate for an ARM (Adjustable Rate Mortgage) product changes periodically, typically in relation to an index that reflects the cost to the lender of borrowing on the credit markets, and payments may go up or down accordingly. Our ARM loan flexibility is advantageous to a wide array of financial situations.

Buy Before You Sell

This innovative and exclusive program applies the equity in your current home towards the down payment on your next home, allowing you to buy with confidence even before your current home is sold! Talk to a Howard Hanna Mortgage Loan Originator for full details.

Luxury Mortgage

At times, homebuyers need to secure a loan in excess of $500,000. We offer a variety of mortgage options to accommodate our luxury homebuyers. We will tailor a program to meet your specific needs.

FHA & VA Loan

FHA loans are insured by the Federal Housing Administration and are available to homebuyers who meet certain guidelines. Veterans Administration (VA) loans are available at competitive rates for those who have served our country in the military service. Many of these loans require no down payment. We are a VA delegated lender with in-house approval capabilities.

State Bond Loan

First-time homebuyers may qualify for both attractive interest rates with minimal down payment requirements and receive down payment assistance through grants or secondary financing.

USDA Rural Housing

This program offers solutions for qualifying properties that may be difficult to appraise due to acreage, distance, and availability of comparable sales in the area. More lenient qualifying guidelines and zero-down payment options are among the other great reasons to use this unique product.

Physician Plus

This distinctive mortgage program is designed exclusively for medical doctors, with good credit, but limited assets and potentially high student loan debt. In addition to no down payment, funds used toward closing costs can come from different sources.

Lock & Shop

Buying a home can often be complicated and stressful. In order to reduce anxiety over rising interest rates, Howard Hanna Mortgage offers a program called “Lock & Shop.” With this program, borrowers can lock in today’s low interest rate, providing potential homebuyers peace of mind while still looking for a home.*** For more details on this program, visit HowardHannaMortgage.com/lock-and-shop/ or talk to a Howard Hanna Mortgage Loan Originator.

Choose Howard Hanna Mortgage Services.

Whether you are buying your first property or your fourth, we understand it can be a big and often daunting decision. That’s why we want to make applying for your home loan quick and easy.

Our in-house Loan Originator, Mikki Crown, is extremely knowledgeable.  You may contact her at 412-262-5500 Ext. 204 or on her cell at 412-780-0625.

Contact Mikki Crown today! 

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