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.

  • 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
  • Mark is a wonderful person he worked so hard on getting me a mortgage! He was so in credible. And I am so grateful to him! Believe me if you need a mortgage Mark is your man! I Thank you , so much from the bottom of my heart you are the best! God Bless […]

    Debra Ann G. - March 31, 2020
  • Mark was excellent to work with! Him and his team was Diligent, Very thorough and to the point. We would definitely work with him again.

    Kristina and Greg C. - September 21, 2019
  • When i thought the option of buying a home was going to be impossible for me i put my trust in Mark Principi and he got the job done. A million thanks to Mark and his team for all their hard work!

    Rachel M. - September 21, 2019
Read More Reviews!

Conventional Loans

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

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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.

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VA Loans

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

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USDA Loans

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

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Reverse Loans

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

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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.

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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%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $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.

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. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

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%

1%

4.5%

$
$

$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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Home Improvement

Just Purchased A Home? Make Sure To Check These Items

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It’s hard work becoming a homeowner. After you move into your new house, realize that the work may not be completely finished yet. Here are a few things you should take a look at right away in order to maintain your new home. Gutters Your gutters are an important part of your home. They’re designed […]

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Behr Paint Co. unveiled 21 versatile colors on Monday to make up its Color Trends 2021 Palette. The colors include neutrals mixed with some lavish bolds to create “energizing, yet comforting” focal points in a home, Behr says. “This has been a year of unpredictability and 2020 has significantly changed our relationship with home,” says […]

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