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At 1st Time Mortgage, you get the best mortgage experience, supported by a team of trusted Mortgage Lender in PA.  We are dedicated to providing you with exceptional service and guidance every step of the way. 

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Buying a home? Let our Mortgage Lender in PA take care of everything
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Top Mortgage Lender in PA Rates

How can we offer low from the get go rates?

Why Chose Joe Panepresso, Your Mortgage Lender in PA?

The Better Mortgage Lender in PA Experience: See how a better home finance experience makes all the difference to our customers.

Our goal is to bring joy to our mortgage customers by providing a superior customer focused experience.

That means making every home financing experience exceptional beyond expectations.

The utmost care and attention from a hard-working team.

Mortgage Products and solutions tailored to your needs.

The latest technology in mortgage lending enabling a fast an efficient loan process.

We care deeply about the happiness and success of our customers and are trained to turn that care into action.

Expert Mortgage Lender in PA Advice

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We believe you’re bright

My name is Joe Panepresso and I am a Sr Loan Officer here at FCCB NMLS # 133551 with quite a bit of experience in this industry. I earned my Real Estate license in 1983 and have been a Mortgage Lender since June 1986.

I grew up in Philadelphia and for the last 35 years, I have lived in Bucks County. I am a father of 3 daughters, a grand-pop to 3 youngsters, and have been married for 33 years.

I know how important it is to obtain accurate and timely information, so I keep my laptop and phone with me to ensure prompt communication.

As a dedicated Mortgage Lender in PA, providing top-notch experienced service and advice tailored to your specific situation is something I take great pride in. I attend most of my closings personally to answer any questions and provide reassurance. You deserve that!

Contact me today to get started!

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Feel Free To Ask Us Anything About Mortgage Lending in PA!

Mortgage Brokers and Agents work for you, the borrower. We have access to a variety of lenders and products that are chosen for your specific needs and goals. We look out for the needs of our clients first. Our specialty is mortgages, therefore we are up to date on the products currently available and all the regulations that must be followed.
A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show you can cover the applicable closing costs, approximately 1.5% of the purchase price (i.e. legal fees and disbursements, appraisal fee, land transfer tax and a survey certificate, where applicable, etc.). Regardless of the amount of your down payment, at least 5% must be from your own cash resources or in the form of a gift from an immediate family member.

We suggest you talk to a mortgage broker 6-12 months before you plan to purchase a new home or refinance an existing home. This allows the time required to gather all the paperwork required, assess your credit and make appointments to discuss what you need and want in a mortgage. Most of our lenders will guarantee an interest rate for 120 days before a closing date.

We recommend you contact a broker about 6 months before your existing mortgage matures. This allows time to consider all the options available; whether it be to plan the purchase of another property, consolidate debt into your new mortgage or just a straight renewal. Lenders will often send out renewal notices offering their posted rates. This usually is not the best rate available. Most lenders will guarantee a rate for 120 days before renewal/closing. This will get you the bast rate available in the 4 months prior to renewal.

There are three main factors that come into play when being approved for a mortgage:

  • Credit score. Each loan program has a minimum credit score requirement in order to qualify. Higher credit scores can allow you to qualify for lower interest rates, too.
  • Down payment. Some loan programs require you to make a down payment of a certain amount.
  • Debt-to-income ratio (DTI). Your debts should only make up a certain percentage of your income, because you’re about to incur a large and important debt by purchasing a home.


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