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16    <title>HomeSale Mortgage | Local Mortgage Lending for Your Home Loan Needs</title>
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95            <a href="/blog/news-events/more-homebuying-power-today/">New loan updates could boost your buying power. Click here to learn more.</a>
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121                </span> Popular Searches
122            </h6>
123            <ul>
124                <li><a href="/search?searchtext=refinance">refinance</a></li>
125                <li><a href="/search?searchtext=renovation+loans">renovation loans</a></li>
126                <li><a href="/search?searchtext=jumbo">jumbo</a></li>
127                <li><a href="/search?searchtext=conventional+loans">conventional loans</a></li>
128                <li><a href="/search?searchtext=loan+officer">loan officer</a></li>
129            </ul>
130        </div>
131    </div>
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155        <header id="header" class="row align-items-center px-lg-3 px-xl-5 py-lg-2 no-gutters bg-white fixed-top border-bottom border-lighter-gray">
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187                    </form>
188                </li>
189                                <li class="nav-item dropdown font-weight-bold d-lg-flex flex-nowrap">
190                                    <a class="nav-link py-3 py-lg-2 px-3 pl-lg-2 pr-lg-0 d-inline-flex flex-grow-1 justify-content-between brand-text-primary" href="#">
191                                        Find a Professional
192                                    </a>
193                                    <button class="dropdown-toggle d-inline-flex align-items-center justify-content-end border-0 bg-transparent px-3 py-3 pr-lg-0 pl-lg-1 py-lg-0" data-toggle="dropdown" aria-expanded="false"></button>
194                                    <div class="dropdown-menu border-top-0 brand-border-radius py-0">
195                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/officers/"
196                                               target="_self">
197                                                <i class="fas fa-users menu-icon d-none d-lg-inline-block">
198                                                    <span class="hidden">Loan Officers</span>
199                                                </i>
200                                                <span class="pl-3">Loan Officers</span>
201                                            </a>
202                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/branches/"
203                                               target="_self">
204                                                <i class="fas fa-map-marked-alt menu-icon d-none d-lg-inline-block">
205                                                    <span class="hidden">Locations</span>
206                                                </i>
207                                                <span class="pl-3">Locations</span>
208                                            </a>
209                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="https://myloan.homesalemortgage.com/homehub/signup/[email protected]"
210                                               target="_blank">
211                                                <i class="fas fa-edit menu-icon d-none d-lg-inline-block">
212                                                    <span class="hidden">Apply Now</span>
213                                                </i>
214                                                <span class="pl-3">Apply Now</span>
215                                            </a>
216                                    </div>
217                                </li>
218                                <li class="nav-item dropdown font-weight-bold d-lg-flex flex-nowrap">
219                                    <a class="nav-link py-3 py-lg-2 px-3 pl-lg-2 pr-lg-0 d-inline-flex flex-grow-1 justify-content-between brand-text-primary" href="/loan-products/">
220                                        Loan Products
221                                    </a>
222                                    <button class="dropdown-toggle d-inline-flex align-items-center justify-content-end border-0 bg-transparent px-3 py-3 pr-lg-0 pl-lg-1 py-lg-0" data-toggle="dropdown" aria-expanded="false"></button>
223                                    <div class="dropdown-menu border-top-0 brand-border-radius py-0">
224                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/loan-products/build/"
225                                               target="_self">
226                                                <i class="fas fa-tools menu-icon d-none d-lg-inline-block">
227                                                    <span class="hidden">Build</span>
228                                                </i>
229                                                <span class="pl-3">Build</span>
230                                            </a>
231                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/loan-products/purchase/"
232                                               target="_self">
233                                                <i class="fas fa-key menu-icon d-none d-lg-inline-block">
234                                                    <span class="hidden">Purchase</span>
235                                                </i>
236                                                <span class="pl-3">Purchase</span>
237                                            </a>
238                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/loan-products/refinance/"
239                                               target="_self">
240                                                <i class="fas fa-house-user menu-icon d-none d-lg-inline-block">
241                                                    <span class="hidden">Refinance</span>
242                                                </i>
243                                                <span class="pl-3">Refinance</span>
244                                            </a>
245                                    </div>
246                                </li>
247                                <li class="nav-item dropdown font-weight-bold d-lg-flex flex-nowrap">
248                                    <a class="nav-link py-3 py-lg-2 px-3 pl-lg-2 pr-lg-0 d-inline-flex flex-grow-1 justify-content-between brand-text-primary" href="#">
249                                        Resources
250                                    </a>
251                                    <button class="dropdown-toggle d-inline-flex align-items-center justify-content-end border-0 bg-transparent px-3 py-3 pr-lg-0 pl-lg-1 py-lg-0" data-toggle="dropdown" aria-expanded="false"></button>
252                                    <div class="dropdown-menu border-top-0 brand-border-radius py-0">
253                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/calculators/"
254                                               target="_self">
255                                                <i class="fas fa-calculator menu-icon d-none d-lg-inline-block">
256                                                    <span class="hidden">Mortgage Calculators</span>
257                                                </i>
258                                                <span class="pl-3">Mortgage Calculators</span>
259                                            </a>
260                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/resources/"
261                                               target="_self">
262                                                <i class="fas fa-book menu-icon d-none d-lg-inline-block">
263                                                    <span class="hidden">Mortgage Resources</span>
264                                                </i>
265                                                <span class="pl-3">Mortgage Resources</span>
266                                            </a>
267                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="https://simplenexus.com/borrower/go_mobile/[email protected]"
268                                               target="_blank">
269                                                <i class="fas fa-mobile-alt menu-icon d-none d-lg-inline-block">
270                                                    <span class="hidden">Download Our Mortgage App</span>
271                                                </i>
272                                                <span class="pl-3">Download Our Mortgage App</span>
273                                            </a>
274                                    </div>
275                                </li>
276                                <li class="nav-item dropdown font-weight-bold d-lg-flex flex-nowrap">
277                                    <a class="nav-link py-3 py-lg-2 px-3 pl-lg-2 pr-lg-0 d-inline-flex flex-grow-1 justify-content-between brand-text-primary" href="#">
278                                        About Us
279                                    </a>
280                                    <button class="dropdown-toggle d-inline-flex align-items-center justify-content-end border-0 bg-transparent px-3 py-3 pr-lg-0 pl-lg-1 py-lg-0" data-toggle="dropdown" aria-expanded="false"></button>
281                                    <div class="dropdown-menu border-top-0 brand-border-radius py-0">
282                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/aboutus/about-homesale/"
283                                               target="_self">
284                                                <i class="fas fa-home menu-icon d-none d-lg-inline-block">
285                                                    <span class="hidden">About HomeSale Mortgage, LLC</span>
286                                                </i>
287                                                <span class="pl-3">About HomeSale Mortgage, LLC</span>
288                                            </a>
289                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/aboutus/opportunitiesattowne/"
290                                               target="_self">
291                                                <i class="far fa-user-circle menu-icon d-none d-lg-inline-block">
292                                                    <span class="hidden">Career Opportunities</span>
293                                                </i>
294                                                <span class="pl-3">Career Opportunities</span>
295                                            </a>
296                                            <a class="dropdown-item font-weight-bold px-3 py-3" href="/aboutus/our-leadership/"
297                                               target="_self">
298                                                <i class="fas fa-star menu-icon d-none d-lg-inline-block">
299                                                    <span class="hidden">Our Leadership</span>
300                                                </i>
301                                                <span class="pl-3">Our Leadership</span>
302                                            </a>
303                                    </div>
304                                </li>
305                                <li class="nav-item font-weight-bold">
306                                    <a class="py-3 py-lg-2 px-3 px-lg-2 d-block brand-text-primary" href="/blog/">Blog</a>
307                                </li>
308                                <li class="nav-item font-weight-bold">
309                                    <a class="py-3 py-lg-2 px-3 px-lg-2 d-block brand-text-primary" href="/partners/">Partners</a>
310                                </li>
311                                <li class="nav-item font-weight-bold">
312                                    <a class="py-3 py-lg-2 px-3 px-lg-2 d-block brand-text-primary" href="/contact/">Contact</a>
313                                </li>
314            </ul>
315
316            <ul class="header-socials list-group list-unstyled d-flex flex-row justify-content-center flex-wrap py-3 d-lg-none">
317                <li class="list-group-item py-0 px-3 border-0">
318                    
319        <a href="https://www.facebook.com/homesalemortgage" target="_blank">
320            <i class="fab fa-facebook-square brand-text-primary">
321                <span class="hidden">facebook</span>
322            </i>
323        </a>
324
325                </li>
326                <li class="list-group-item py-0 px-3 border-0">
327                    
328        <a href="https://www.linkedin.com/company/homesale-mortgage-llc" target="_blank"><i class="fab fa-linkedin brand-text-primary"><span class="hidden">linkedin</span></i></a>
329
330                </li>
331                <li class="list-group-item py-0 px-3 border-0">
332                    
333        <a href="https://www.instagram.com/homesalemtg/" target="_blank"><i class="fab fa-instagram-square brand-text-primary"><span class="hidden">instagram</span></i></a>
334
335                </li>
336                <li class="list-group-item py-0 px-3 border-0">
337                    
338        <a href="https://www.tiktok.com/@townebankmtg?lang=en" target="_blank"><i class="fab fa-tiktok brand-text-primary"><span class="hidden">tiktok</span></i></a>
339
340                </li>
341            </ul>
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345<div class="d-none d-lg-flex col-lg-2 align-items-center text-center">
346    <!-- Apply Now button DESKTOP -->
347    <a id="ApplyTopnav" class="apply-now-button py-2 px-2 w-50 text-uppercase font-size-14 font-weight-bold brand-bg-quaternary border brand-border-quaternary brand-text-primary text-decoration-none"
348       href="https://myloan.homesalemortgage.com/homehub/signup/[email protected]" target="_blank">Apply Now</a>
349    <a id="SignInTopnav" class="signin-now-button py-2 px-2 ml-2 w-50 text-uppercase font-size-14 font-weight-bold border text-decoration-none"
350       href="https://myloan.homesalemortgage.com/homehub/login/[email protected]" target="_blank">Sign In</a>
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403            <h3 class="text-gray font-weight-light py-2 mb-4">136 search results for <span class="font-weight-bold">refinance</span></h3>
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429                    <small class="text-muted"> Loan Product</small>
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431                <p class="card-text text-gray font-size-14">Lower your interest rate for reduced monthly paymentsPut the equity in your home toward good useRemove costly Private Mortgage InsuranceShorten your loan term for faster payoffFund home renovationsConvert an adjustable-rate-mortgage to a fixed-rate m...</p>
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446                    <a href="/cash-out-refinance/" class="brand-text-primary">Cash-out Refinance</a>
447                    <small class="text-muted"> Page</small>
448                </h5>
449                <p class="card-text text-gray font-size-14">Looking to make some needed home improvements, add a pool in the backyard, pay for tuition, or take that out-of-country dream trip?Depending on your current situation, accessing money from your home&#39;s equity in a cash-out refinance could be a val...</p>
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464                    <a href="/blog/mortgage/could-you-benefit-from-a-refinance/" class="brand-text-primary">Could you Benefit from a Refinance?</a>
465                    <small class="text-muted"> Article</small>
466                </h5>
467                <p class="card-text text-gray font-size-14">Could you Benefit from a Refinance? Are you ready to refinance your mortgage? Depending on your current situation, refinancing could be used as a valuable tool to help you achieve your short or long-term financial goals.What does it mean to refinance...</p>
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566                    <a href="/resources/home-refinance/" class="brand-text-primary">Home Refinance</a>
567                    <small class="text-muted"> Page</small>
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569                <p class="card-text text-gray font-size-14">Refinancing can help you accomplish many different goals. The most common reasons to refinance include reducing your interest rate or payment, converting from an adjustable to a fixed rate, or pulling cash out of your equity to consolidate debt or im...</p>
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585                    <small class="text-muted"> Page</small>
586                </h5>
587                <p class="card-text text-gray font-size-14">Are you ready to refinance your mortgage? Depending on your current situation, refinancing could be used as a valuable tool to help you achieve your short or long-term financial goals.What does it mean to refinance?When you refinance your mortgage, y...</p>
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602                    <a href="/blog/mortgage/could-you-benefit-from-a-cash-out-refinance/" class="brand-text-primary">Could you Benefit from a Cash-Out Refinance?</a>
603                    <small class="text-muted"> Article</small>
604                </h5>
605                <p class="card-text text-gray font-size-14">Looking to make some needed home improvements, add a pool in the backyard, pay for tuition, or take that out-of-country dream trip?How does a cash-out refinance work?&nbsp;
606When you refinance your mortgage, you replace your original mortgage with a ...</p>
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732                <p class="card-text text-gray font-size-14">Step 1: Identify objectives &ndash;&nbsp;What would you like to achieve from refinancing your home? Lowering your current interest rate or gaining additional cash for home renovations, investments or life events could all be reasons to refinance.Step...</p>
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972        <a href="https://www.linkedin.com/company/homesale-mortgage-llc" target="_blank"><i class="fab fa-linkedin brand-text-primary"><span class="hidden">linkedin</span></i></a>
973
974                            </li>
975                            <li class="list-group-item py-0 px-3 border-0">
976                                
977        <a href="https://www.instagram.com/homesalemtg/" target="_blank"><i class="fab fa-instagram-square brand-text-primary"><span class="hidden">instagram</span></i></a>
978
979                            </li>
980                            <li class="list-group-item py-0 px-3 border-0">
981                                
982        <a href="https://www.tiktok.com/@townebankmtg?lang=en" target="_blank"><i class="fab fa-tiktok brand-text-primary"><span class="hidden">tiktok</span></i></a>
983
984                            </li>
985                        </ul>
986                    </div>
987                    <div class="footer-mission-statement font-size-14 col-lg-7 col-12 mb-4 mb-md-0 pb-lg-3 pl-lg-5">
988                        
989HomeSale Mortgage is your hometown mortgage company. As a subsidiary of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. HomeSale Mortgage is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
990                        <nav class="pt-3 text-center">
991                            <ul class="list-group list-unstyled flex-lg-row m-0 p-0">
992                                <li class="list-group-item border-0 py-1 px-0 py-lg-0 pr-lg-3"><a href="/aboutus/website-accessibility">Website Accessibility</a></li>
993                                <li class="list-group-item border-0 py-1 px-0 py-lg-0 px-lg-3"><a href="/aboutus/privacy-policy">Privacy &amp; Security</a></li>
994                                <li class="list-group-item border-0 py-1 px-0 py-lg-0 px-lg-3">NMLS # 
9951054689</li>
996                            </ul>
997                        </nav>
998                    </div>
999                </div>
1000                <div class="row row-cols-1 row-cols-md-5 footer-navigation my-2 my-md-5">
1001                    
1002
1003
1004    <div class="col">
1005        <ul class="list-group mb-4 mb-md-0 text-center text-md-left">
1006            <li class="list-group-item border-0">HOME PURCHASE</li>
1007                <li class="list-group-item border-0 font-size-14">
1008                    <a href="/purchase-a-new-home/">
1009                        Purchase A New Home
1010                    </a>
1011                </li>
1012                <li class="list-group-item border-0 font-size-14">
1013                    <a href="/mortgage-prequalification/">
1014                        Mortgage Pre-Qualification
1015                    </a>
1016                </li>
1017                <li class="list-group-item border-0 font-size-14">
1018                    <a href="/home-buying-process/">
1019                        Home Buying Process
1020                    </a>
1021                </li>
1022                <li class="list-group-item border-0 font-size-14">
1023                    <a href="/first-time-home-buyer/">
1024                        First-Time Home Buyer
1025                    </a>
1026                </li>
1027        </ul>
1028    </div>
1029    <div class="col">
1030        <ul class="list-group mb-4 mb-md-0 text-center text-md-left">
1031            <li class="list-group-item border-0">HOME REFINANCE</li>
1032                <li class="list-group-item border-0 font-size-14">
1033                    <a href="/home-refinancing/">
1034                        Home Refinancing
1035                    </a>
1036                </li>
1037                <li class="list-group-item border-0 font-size-14">
1038                    <a href="/cash-out-refinance/">
1039                        Cash-Out Refinance
1040                    </a>
1041                </li>
1042                <li class="list-group-item border-0 font-size-14">
1043                    <a href="/reasons-to-refinance/">
1044                        Reasons To Refinance
1045                    </a>
1046                </li>
1047                <li class="list-group-item border-0 font-size-14">
1048                    <a href="/refinance-process/">
1049                        Refinance Process
1050                    </a>
1051                </li>
1052        </ul>
1053    </div>
1054    <div class="col">
1055        <ul class="list-group mb-4 mb-md-0 text-center text-md-left">
1056            <li class="list-group-item border-0">LOAN OPTIONS</li>
1057                <li class="list-group-item border-0 font-size-14">
1058                    <a href="/fixed-rate-mortgage/">
1059                        Fixed-Rate Mortgage
1060                    </a>
1061                </li>
1062                <li class="list-group-item border-0 font-size-14">
1063                    <a href="/adjustable-rate-mortgage/">
1064                        Adjustable-Rate Mortgage
1065                    </a>
1066                </li>
1067                <li class="list-group-item border-0 font-size-14">
1068                    <a href="/construction-loans/">
1069                        Construction Loans
1070                    </a>
1071                </li>
1072                <li class="list-group-item border-0 font-size-14">
1073                    <a href="/loan-types/">
1074                        Loan Types
1075                    </a>
1076                </li>
1077        </ul>
1078    </div>
1079    <div class="col">
1080        <ul class="list-group mb-4 mb-md-0 text-center text-md-left">
1081            <li class="list-group-item border-0">LEGAL</li>
1082                <li class="list-group-item border-0 font-size-14">
1083                    <a href="/privacy-security/">
1084                        Privacy &amp; Security
1085                    </a>
1086                </li>
1087                <li class="list-group-item border-0 font-size-14">
1088                    <a href="/digital-use-practices/">
1089                        Digital Use Practices
1090                    </a>
1091                </li>
1092                <li class="list-group-item border-0 font-size-14">
1093                    <a href="/terms-of-use/">
1094                        Terms Of Use
1095                    </a>
1096                </li>
1097        </ul>
1098    </div>
1099    <div class="col">
1100        <ul class="list-group mb-4 mb-md-0 text-center text-md-left">
1101            <li class="list-group-item border-0">ABOUT</li>
1102                <li class="list-group-item border-0 font-size-14">
1103                    <a href="/contact-us/">
1104                        Contact Us
1105                    </a>
1106                </li>
1107                <li class="list-group-item border-0 font-size-14">
1108                    <a href="/aboutus/opportunitiesattowne/">
1109                        Career Opportunities
1110                    </a>
1111                </li>
1112                <li class="list-group-item border-0 font-size-14">
1113                    <a href="/branches/">
1114                        Locations
1115                    </a>
1116                </li>
1117        </ul>
1118    </div>
1119
1120                </div>
1121                <hr />
1122                <div class="row text-center mx-sm-5 font-weight-bold mt-5 mb-3">
1123                    <div class="col">
1124                        
1125        <p>HomeSale Mortgage, LLC lends in the following states:<br />Colorado |&#xD;&#xA;Delaware |&#xD;&#xA;Florida |&#xD;&#xA;Louisiana |&#xD;&#xA;Maryland |&#xD;&#xA;Mississippi |&#xD;&#xA;North Carolina |&#xD;&#xA;Ohio |&#xD;&#xA;Pennsylvania |&#xD;&#xA;Tennessee |&#xD;&#xA;Virginia |&#xD;&#xA;West Virginia</p>
1126
1127                    </div>
1128                </div>
1129                <div class="row justify-content-center mb-4">
1130                    <img src="/Content/Images/ehl.svg" style="width: 65px;" />
1131                </div>
1132                <div class="row text-center">
1133
1134                    <div class="col-12">
1135                        
1136        <p>NOTICE TO CONSUMERS REGARDING MARYLAND LENDER LICENSEES: HomeSale Mortgage, LLC is licensed to engage in business as a Maryland Mortgage Lender and assigned a unique NMLS identifier number: 1054689. The NMLS Consumer Access Website is linked here: <a href="https://www.nmlsconsumeraccess.org" target="_blank">https://www.nmlsconsumeraccess.org/</a>
1137<br>
1138<br>
1139While HomeSale Mortgage, LLC offers educational and promotional materials in languages other than English, not all of HomeSale Mortgage’s services and documents are available in those languages. All official mortgage documents, such as applications, disclosures, closing documents, etc.  will occur in English. If you have questions about the extent of our Non-English language services or would like additional information, please contact <a href="mailto:[email protected]">[email protected]</a></p>
1140
1141                    </div>
1142                    <div class="col-12">
1143                        
1144        <p>Links and content are being provided for informational purposes only. TowneBank Mortgage has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one. This is not a commitment to lend.</p>
1145
1146                    </div>
1147                    <div class="col-12">
1148                        
1149        <span class="copyright font-weight-lighter w-100">
1150            &copy; 2026 HomeSale Mortgage, LLC. All Rights Reserved.  131 Centerville Road, Lancaster, PA 17603. Phone: (717) 286-9936
1151        </span>
1152
1153                    </div>
1154                </div>
1155        </footer>
1156    </div>
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1158    <div class="modal" id="newsletter" tabindex="-1" role="dialog" aria-labelledby="NewsletterLabel" aria-hidden="true">
1159        <div class="modal-content" role="document">
1160            <div class="modal-header">
1161                <h5 class="modal-title" id="addContactLabel">Subscribe</h5>
1162            </div>
1163            <div class="modal-body">
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1177            <label for="Email">Want to stay up to date? Please leave us your email address.</label>
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1180            <input type="email" data-val="true" data-val-email="Please enter a valid email address" data-val-maxlength="Maximum allowed length of the email is 250" data-val-maxlength-max="250" data-val-required="Please enter your email" id="Email" maxlength="250" name="Email" value="" />
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