Who has low mortgage rates in Pennsylvania?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in PA likely to have high rates
We don’t accept advertising, so TrueRate can give the real lender story. We looked at 442 lenders and these lenders are likely to offer you a high rate.
Lender | Lender fees | Summary | |
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Pennsylvania is starting to look great for homebuyers
If you’ve been thinking about making a move, this might just be your moment to snag a sweet deal without burning a hole in your pocket.
Let’s talk about Philadelphia—it’s not just the City of Brotherly Love; it’s got a vibe all its own. With its rich history, awesome food scene, and bustling neighborhoods, it’s a fantastic place to settle down. Areas like Fishtown and South Philadelphia are where it’s at, blending classic charm with modern twists. Plus, you can find some surprisingly affordable housing options here, especially if you’re willing to look a bit beyond the tourist hotspots.
But don’t sleep on the rest of the state! Pittsburgh is making waves, too, with a revitalized downtown and a growing arts community. Neighborhoods like Lawrenceville and Shadyside are full of character, offering hip coffee shops, boutique stores, and parks to enjoy those sunny days. Plus, the housing market here is still pretty accessible compared to other major cities, so you can live it up without emptying your wallet.
If you’re a first-time buyer, Pennsylvania has your back with various programs that help with down payments and loans, easing you into homeownership like a pro. No need to stress over finances when you’ve got options to support your dreams.
So, if you’re ready to dive into a housing market that’s rich in culture, affordability, and opportunity, Pennsylvania is calling your name. With improving interest rates and a mix of urban excitement and charming towns, you might just find the perfect place to make your own in the Keystone State!