Making Home Ownership a Reality

Welcome to Central Lending, your local home loan experts dedicated to serving our customers, our community and make sure your home buying or refinancing experience is as simple as possible.

Get Your Free Consultation Licensed in Pennsylvania, New Jersey, Delaware, Florida & North Carolina

Loan Options

Learn more about the loan programs available at Central Lending.

Free Home Value

Get an instant valuation for your home today w/ our home value tool!

Client Reviews

Check out some reviews from REAL Central Lending customers.

  • Mark and his team , did a great job of explaining everything part by part made it real convenient for me to choose what I want to do had a great experience with that team

    Pedro tellado - November 8, 2021
  • I want to thank Mark & Dana and the rest of the Central Lending family for doing an amazing job….I will certainly recommend your services to my family and friends… Let me just say this , Dana is an extremely kind and very informative person … Thank you all for your help …. May you […]

    Ms. Robin Sargeant - November 2, 2021
  • I worked with mark about a year ago today. I closed March 1 2021. Even though mark principal took great care of me then. I’m still asking questions about certain things I received in the mail based on my new home to make sure I’m not getting scammed some how and mark gladly answers all […]

    Jamar a - July 31, 2021
  • I worked with Jeff Ferrell who felt like family from our initial call. There was no pressure to use Central Lending’s services and Jeff made my wife and I’s first home buying experience a great one. He clearly explained every detail and most importantly made sure we were taken care of. Highly recommend!

    Justin C. - August 31, 2020
  • Jeff was fantastic to work with, made my first time home buyer feel so comfortable and at ease through the whole process. I would recommend Jeff and Central Lending to anyone!!!!

    Christine P. - May 2, 2020
  • Mark and his team are amazing and wonderful to work with they are the best 🙂. I would recommend them to anyone. Believe me I will use them again for any loan in the future and thanking them fro my new home😊😊

    SANDRA H. - April 1, 2020
Read More Reviews!

Conventional Loans

Conventional loans include fixed rate and adjustable rate (ARM) mortgages. Down payment amounts will also vary.

Conventional Loans

FHA Loans

Whether you’re a first-time or a repeat homebuyer, need to refinance, an FHA home loan may be the perfect solution for you.

FHA Loans

VA Loans

VA loans are available to American Veterans and their families. No PMI or down payment is required with a VA loan.

VA Loans

USDA Loans

U.S. Department of Agriculture loans are offered to home buyers purchasing a home in rural developments.

USDA Loans

Reverse Loans

Reverse mortgage loans are a great tool for older homeowners to utilize their property's equity during retirement.

Reverse Mortgages

Jumbo Loans

Jumbo loans are loans for a home that is priced higher than loan limits set in place by Fannie Mae or Freddie Mac.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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