Rates as of July 8, 2026
| Program | Mortgage Rate | APR* | Change |
|---|---|---|---|
| Conventional 30-year fixed | |||
| Conventional 30-year fixed | 6.41% | 6.434% | -0.02 |
| Conventional 15-year fixed | |||
| Conventional 15-year fixed | 5.861% | 5.907% | Unchanged |
| 30-year fixed FHA† | |||
| 30-year fixed FHA† | 6.606% | 6.67% | +0.33 |
| 30-year fixed VA† | |||
| 30-year fixed VA† | 6.65% | 6.706% | +0.34 |
| 5/1 ARM Conventional | |||
| 5/1 ARM Conventional | 5.875% | 6.279% | -0.01 |
| Conventional 20-year fixed | |||
| Conventional 20-year fixed | 6.188% | 6.21% | -0.01 |
| Conventional 10-year fixed | |||
| Conventional 10-year fixed | 5.938% | 5.978% | +0.01 |
| † National average shown — statewide Pennsylvania data for this loan type isn't available yet. | |||
| Rates are provided by our partner network, and may not reflect the market. Your rate might be different. Click here for a personalized rate quote. See our rate assumptions See our rate assumptions here. | |||
Buying a Home in Pennsylvania
Pennsylvania state law requires the seller to provide a potential buyer with all relative information about the physical condition of the property.
They do this by using a Seller’s Property Disclosure Statement form, which covers such things as:
- Contents (including household appliances, and whether they need to be replaced or not)
- Any deed restrictions
- Any homeowners’ association fees
- Smoke detectors
- Electrical, plumbing, gas and sewage systems
- Roof leaks
- Structural additions or changes the seller may have made to the property
If the property you are buying was built before 1978, the seller must also comply with federal disclosures pertaining to lead-based paints and other potential hazards.
But always remember that a seller might have become so accustomed to a home’s faults that they’re no longer aware of them. And, of course, they may never have known about them in the first place. So, if you are the slightest bit worried, it’s always a good idea to commission your own home inspection.
Unlike in some other states, it’s not necessary to involve a lawyer in the buying transaction in Pennsylvania. However, there may be circumstances in which it’s wise to use one.
Refinancing in Pennsylvania
As in most other places, the most common reasons for refinancing in Pennsylvania are to:
- Lower your monthly payment or mortgage rate — preferably both
- Consolidate two or more mortgages into one easily manageable payment
- Reduce the length of the mortgage term
- Take cash out of your home equity
You can use the proceeds of a cash-out refinance for any purpose. Many consolidate their existing debts, pay for home improvements, or cover the costs of a significant purchase, such as a wedding or an extravagant indulgence like a once-in-a-lifetime vacation.
You can easily find ads online for refinance deals or home equity loans in Pennsylvania that sound too good to be true. Take care! They may be just that.
Mortgage companies in Pennsylvania
Pennsylvania home buyers and refinancers can choose from a wide range of national and local mortgage companies.
To explore lenders available in Pennsylvania, see:
- The Best Mortgage Lenders for 2026
- The Best Mortgage Refinance Companies for 2026
- Individual Mortgage Lender Reviews
Many homeowners also find great, local lenders by asking for recommendations from friends and family who have recently bought a home or refinanced.
Mortgage brokers in Pennsylvania
If you’re buying a home or refinancing in Pennsylvania, you can opt to work with a mortgage broker instead of finding a lender on your own. Brokers represent multiple companies, and can help you find the best deal for your situation.
You can find mortgage brokers in PA using the National Association of Mortgage Brokers search tool. Or — just like looking for a lender — you might ask your friends, family, or real estate agent for recommendations.
How to get the best mortgage rates in PA
To find the best mortgage rate in Pennsylvania — or anywhere else, for that matter — you need to check rates from at least 3-5 different lenders.
And that doesn’t mean just looking at advertised rates on their websites. It means getting a custom rate quote from each lender you like, to see which one has the best prices for your circumstances. You can use the resources above to find mortgage lenders and/or brokers. Or, use this rate tool to match with lenders that can help you.
Mortgage calculator: Pennsylvania
Calculate your mortgage payment for a home in Pennsylvania. Start by finding your current mortgage rate using the filters above. Then enter your rate, home price, down payment, and loan term into the mortgage calculator below to estimate your monthly payment.