1 2 3 4 5 6 7<!DOCTYPE html> 8 9<html> 10 11<head id="head"> 12 <meta name="viewport" content="width=device-width, initial-scale=1" /> 13 <meta charset="UTF-8" /> 14 <meta content="Buying your first home can be overwhelming. But when you have the right resources professionals by your side, buying a home is a milestone to celebrate rather than a hassle. Follow this guide to get started on the path to homeownership." name="description" /> 15 <meta content="lancaster pa, york pa, harrisburg pa, carlisle pa, central pa, south central pa, dauphin county pa, york county pa, lancaster county pa, cumberland county pa, lancaster city, west chester pa, lebanon pa, hershey pa, mechanicsburg pa, camp hill pa, manheim pa, ephrata pa, lititz pa, downtown harrisburg, york city, susquehanna valley, carlisle pa, central pa, south central pa, dauphin county pa, york county pa, lancaster county pa, cumberland county pa, lancaster city, york city, downtown harrisburg, west chester pa, lebanon pa, hershey pa, mechanicsburg pa, camp hill pa, manheim pa, ephrata pa, lititz pa, susquehanna valley, west end lancaster, school lane hills, chestnut hill, downtown lancaster, musser park, east side lancaster, north york, east york, grantley, new freedom, stonybrook, spry, springettsbury, manheim township, red lion, dallastown, shrewsbury, hanover, new cumberland, enola, boiling springs, le moyne, mechanicsburg, downtown harrisburg, midtown harrisburg, uptown harrisburg, allison hill, shipoke, olde uptown, mortgage loan, home loan, refinance mortgage, mortgage rates, mortgage calculator, FHA loans, VA loans, first-time home buyer, jumbo loan, mortgage pre-approval, mortgage lender near me, commercial mortgage, mortgage broker, conventional loan, 30-year fixed mortgage, 15-year fixed mortgage, current mortgage rates, how much house can I afford, mortgage interest rates, local mortgage lender, best mortgage rates, mortgage pre-qualification, home equity loan, cash-out refinance, second mortgage, USDA loan, physician loan, mortgage for self-employed, low-down-payment mortgage, bad credit mortgage, mortgage closing costs, mortgage application process, what is a fixed-rate mortgage, adjustable-rate mortgage (ARM), low-down-payment mortgage, VA loan eligibility, FHA loan requirements, USDA loan qualifying, jumbo loan limits, physician loan program, conventional loan vs FHA, how to get a mortgage with bad credit, mortgage for self-employed, second home financing, cash-out refinance eligibility, refinance with a high debt-to-income ratio, how to get pre-approved for a mortgage, mortgage closing costs explained, what is a fixed-rate mortgage, how much is a down payment on a house, steps to buying a home, mortgage application checklist, documents needed for a mortgage, mortgage refinance calculator, home affordability calculator, debt-to-income ratio calculator, closing costs calculator, mortgage payment calculator, Alabama, Colorado, Delaware, Florida, Georgia, Kentucky, Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington D.C., West Virginia, black homeownership programs, mortgage for black families, black first-time home buyer assistance, black mortgage broker, loans for black entrepreneurs, low-down-payment mortgages for black home buyers, down payment assistance for black home buyers, black veterans mortgage, hipotecas para hispanos, préstamos hipotecarios para latinos, hispanic home loan programs, first-time home buyer assistance for latinos, down payment assistance for hispanics, mortgage broker bilingüe, mortgage for immigrant home buyers, dream home loans for latinos, asian home buyer programs, mortgage loans for asian americans, first-time home buyer assistance for asian community, mortgage for vietnamese buyers, asian american mortgage broker, mortgage for multi-generational homes, minority home buying programs, home loan options for minorities, down payment assistance for diverse buyers, mortgage for people of color, diverse real estate agent, homeownership for underserved communities" name="keywords" /> 16 <title>HomeSale Mortgage | Local Mortgage Lending for Your Home Loan Needs</title> 17 18 <link rel="icon" href="https://homesalemortgage.com/getattachment/327f6c3c-bdff-4cdf-be7c-02fd97ed0762/HSM_Favicon.png"> 19 20 <!-- JQUERY, added in header so available anywhere --> 21
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80<!-- End Google Tag Manager (noscript) --> 81 82 83<body class="inverted"> 84 <noscript>Javascript must be enabled for the correct page display</noscript> 85 <div id="wrapper" class="container-fluid"> 86 87 <div class="d-none d-lg-flex"> 88 89 90<div class="row top-banner fixed-top px-lg-4 px-xl-5 align-items-center text-gray" 91 style="background-color: #E4E2E4"> 92 <div class="col-8 d-flex align-items-center"> 93 <i class="fas fa-chart-line pr-2"></i> 94 <span class="banner-text font-weight-bold"> 95 <a href="/blog/news-events/more-homebuying-power-today/">New loan updates could boost your buying power. Click here to learn more.</a> 96 </span> 97 </div> 98 <div class="col-4 d-flex justify-content-end"> 99 <i id="search-btn" class="fas fa-search"></i> 100 </div> 101</div> 102<div id="search-overlay" style="display:none"> 103 <div class="row top-banner fixed-top px-lg-4 px-xl-5 justify-content-center align-items-center text-gray" style="background-color: #E4E2E4"> 104 <div class="col-4 d-flex justify-content-center align-items-center"> 105 <i id="search-opened_icon" class="fas fa-search brand-text-primary mr-2"></i> 106 <form method="get" class="searchBox w-100" action="/search"> 107 <input class="form-control" name="searchtext" type="text" placeholder="Search" autocomplete="off" /> 108 <input type="submit" value="" class="d-none" id="top-banner-search" /> 109 </form> 110 <button type="button" class="close ml-2" aria-label="Close"> 111 <span aria-hidden="true"><i id="close-btn" class="fa fa-times fa-2x"></i></span> 112 </button> 113 </div> 114 </div> 115 <div class="row fixed-top mt-5 justify-content-center h-100 text-gray" style="z-index:99999999;"> 116 <div class="col-4 shadow-sm bg-white p-4" style="z-index:9999999999; height:235px;"> 117 <h6 class="mb-3"> 118 <span class="fa-stack"> 119 <i class="fas fa-certificate fa-stack-2x"></i> 120 <i class="fas fa-check fa-stack-1x fa-inverse"></i> 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> 132</div> 133 134<style> 135 .fa-search:hover { 136 cursor: pointer; 137 } 138</style> 139
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152 153 154 </div> 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"> 156 157 158 159<div class="col-12 d-lg-none d-flex"> 160 <!-- Apply Now button MOBILE --> 161 <a id="ApplyTopnav" class="apply-now-button mobile py-2 brand-border-radius text-uppercase font-size-14 font-weight-bold d-flex justify-content-center align-items-center w-50 brand-bg-quaternary border brand-border-quaternary brand-text-primary text-decoration-none" 162 href="https://myloan.homesalemortgage.com/homehub/signup/[email protected]" target="_blank">Apply Now</a> 163 <a id="SignInTopnav" class="signin-now-button mobile py-2 brand-border-radius text-uppercase font-size-14 font-weight-bold d-flex justify-content-center align-items-center w-50 border brand-border-quaternary brand-text-primary text-decoration-none" 164 href="https://myloan.homesalemortgage.com/homehub/login/[email protected]" target="_blank">Sign In</a> 165</div> 166<div class="logo col-6 col-lg-2 mx-0 pl-3 pl-lg-0 py-2 py-lg-0 d-flex align-items-center"> 167 <a href="/"> 168 169 <img src="https://homesalemortgage.com/getattachment/f79ab5fa-73b7-43db-9233-3ed569a508a3/HSM_Web_Logo.png" alt="HomeSale Mortgage, LLC" /> 170 171 </a> 172</div> 173<div class="col-lg-8 col-6 py-2 py-lg-0"> 174 <nav id="nav" class="navbar navbar-light navbar-expand-lg navbar-toggler"> 175 <button class="navbar-toggler border-0 ml-auto" type="button" data-toggle="offcanvas" data-target="#navbarSupportedContent" aria-controls="navbarSupportedContent" aria-expanded="false" aria-label="Toggle navigation"> 176 <span class="navbar-toggler-icon"></span> 177 </button> 178 <div class="collapse navbar-collapse offcanvas-collapse px-0 px-lg-2 bg-white" id="navbarSupportedContent"> 179 <ul class="navbar-nav w-100"> 180 <li class="nav-item d-lg-none"> 181 <span class="d-flex align-items-center position-absolute pl-3" style="height: 40px"> 182 <i class="fas fa-search mobile-search-icon brand-text-primary"></i> 183 </span> 184 <form method="get" class="searchBox w-100" action="/search"> 185 <input class="form-control border-0 py-2 pl-5 pr-3" name="searchtext" type="text" method="get" placeholder="Search" aria-label="Search" autocomplete="off"> 186 <input type="submit" value="" class="d-none" /> 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> 342 </div> 343 </nav> 344</div> 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> 351</div> 352 353<style> 354 .signin-now-button { 355 background-color: white !important; 356 border: 1px solid var(--brand-primary) !important; 357 /* padding: 14px 18px;*/ 358 color: var(--brand-primary) !important; 359 /*width: calc(50% - 10px);*/ /* Adjust width to ensure space between buttons */ 360 text-align: center; 361 } 362 .signin-now-button:hover { 363 background-color: #E4E2E4 !important; 364 border: 1px solid var(--brand-primary) !important; 365 color: var(--brand-primary) !important; 366 } 367 #header .signin-now-button.mobile { 368 height: 2.8125rem; 369 background-color: #E4E2E4 !important; 370 border: 1px solid #E4E2E4 !important; 371 } 372 #header .signin-now-button.mobile:hover { 373 background-color: var(--brand-primary) !important; 374 border: 1px solid #E4E2E4 !important; 375 color: white !important; 376 } 377</style> 378
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391 392 </header> 393 394 <div class="mobile-overlay"></div> 395 <main id="main" role="main" class="d-flex mx-n3 flex-column"> 396 397 398<input name="__Kentico_DC_Page" type="hidden" value="CfDJ8Jef5IvVd2pKiQHK/btCzTr1A8A6eU8nZpdQBDOrnNVGT2E/fGwAk1j3/LI3NKnoWVkSeddxKAKGly5vQulOispuFsaMuE240cokjfkJFnNzOSrtwIMg6z673biYDPB7oA==" /> 399 400<div class="container mt-5"> 401 <div class="row"> 402 <div class="col-12 text-center"> 403 <h3 class="text-gray font-weight-light py-2 mb-4">136 search results for <span class="font-weight-bold">refinance</span></h3> 404 </div> 405 </div> 406 <div class="row"> 407 <div class="col-12"> 408 <form method="get" class="searchBox w-100" action="/search"> 409 <div class="input-group mb-3"> 410 <input class="form-control" name="searchtext" type="text" placeholder="Search" autocomplete="off" value="refinance" aria-label="Search" aria-describedby="addon-wrapping" /> 411 <div class="input-group-append"> 412 <span class="input-group-text" id="addon-wrapping"><i class="fas fa-search brand-text-primary mr-2"></i></span> 413 </div> 414 </div> 415 <input type="submit" value="" id="search-results-search" class="d-none" /> 416 </form> 417 </div> 418 </div> 419 420 421 422 423<div class="row"> 424 <div class="col-12"> 425 <div class="card border-light mb-3 brand-border-tertiary"> 426 <div class="card-body"> 427 <h5 class="card-title d-flex justify-content-between"> 428 <a href="/loan-products/refinance/refinance/" class="brand-text-primary">Refinance</a> 429 <small class="text-muted"> Loan Product</small> 430 </h5> 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> 432 </div> 433 </div> 434 </div> 435</div> 436 437 438 439 440 441<div class="row"> 442 <div class="col-12"> 443 <div class="card border-light mb-3 brand-border-tertiary"> 444 <div class="card-body"> 445 <h5 class="card-title d-flex justify-content-between"> 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's equity in a cash-out refinance could be a val...</p> 450 </div> 451 </div> 452 </div> 453</div> 454 455 456 457 458 459<div class="row"> 460 <div class="col-12"> 461 <div class="card border-light mb-3 brand-border-tertiary"> 462 <div class="card-body"> 463 <h5 class="card-title d-flex justify-content-between"> 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> 468 </div> 469 </div> 470 </div> 471</div> 472 473 474 <div class="search-rating-container card border-light mb-3 pt-3 brand-border-tertiary text-gray container"> 475 476 477 478 479 480 481 482 483 484 485 486<div id="form-SearchRating-f0aa_wrapper-143f957f-da8d-478b-8bed-5d44f159b67d"><form action="/kentico.components/en-us/kentico.formwidget/kenticoformwidget/formsubmit?formName=SearchRating&prefix=form-SearchRating-f0aa&displayValidationErrors=False" data-ktc-ajax-update="form-SearchRating-f0aa_wrapper-143f957f-da8d-478b-8bed-5d44f159b67d" id="form-SearchRating-f0aa" method="post" onsubmit="window.kentico.updatableFormHelper.submitForm(event);"> 487 488 489<div class="ktc-default-section"> 490 491<div class="form-field"> 492 493 494<label class="control-label">Are These Search Results Helpful?</label> 495 496 497 498 499<div class="editing-form-control-nested-control"> 500 501 502 503 504 505<span class="ktc-radio ktc-radio-list">
506 <span class="ktc-radio"> 507 508 <input class="form-control" data-ktc-notobserved-element="" id="form-SearchRating-f0aa.RadioButtons9cb82dbd15c546898af55a774e0ba43e" name="form-SearchRating-f0aa.RadioButtons.SelectedValue" type="radio" value="positive" /> 509 <label for="form-SearchRating-f0aa.RadioButtons9cb82dbd15c546898af55a774e0ba43e">ThumbsUp</label> 510 511 </span> 512 <span class="ktc-radio"> 513 514 <input class="form-control" data-ktc-notobserved-element="" id="form-SearchRating-f0aa.RadioButtonsd72b26864ee648b89569ed6fcb068e6b" name="form-SearchRating-f0aa.RadioButtons.SelectedValue" type="radio" value="negative" /> 515 <label for="form-SearchRating-f0aa.RadioButtonsd72b26864ee648b89569ed6fcb068e6b">ThumbsDown</label> 516 517 </span> 518</span> 519 520<div class="field-validation-valid" data-valmsg-for="form-SearchRating-f0aa.RadioButtons.SelectedValue" data-valmsg-replace="true"></div><div class="field-validation-valid" data-valmsg-for="form-SearchRating-f0aa.RadioButtons" data-valmsg-replace="true"></div> 521</div> 522 523 524 525 526 527</div> 528 529</div><input type="submit" value="Submit" /><input name="__RequestVerificationToken" type="hidden" value="CfDJ8Jef5IvVd2pKiQHK_btCzTrKiOAJf1kMKILkcKCjmOxEYgym-kf4h8NRPF4BWD8FyunhcW9yzVg8Is6ll9uTEb8cXtxi7yy1Ko2d7IDHDi-BsMeDaeGuVPhWrMch_P6mwUVX7WGI24w6iosQMZN_8xg" />
529<script type="text/javascript"> 530if (document.readyState === 'complete') { 531 window.kentico.updatableFormHelper.registerEventListeners({"formId":"form-SearchRating-f0aa","targetAttributeName":"data-ktc-ajax-update","unobservedAttributeName":"data-ktc-notobserved-element"}); 532} else { 533 document.addEventListener('DOMContentLoaded', function(event) { 534 window.kentico.updatableFormHelper.registerEventListeners({"formId":"form-SearchRating-f0aa","targetAttributeName":"data-ktc-ajax-update","unobservedAttributeName":"data-ktc-notobserved-element"}); 535 }); 536}</script>
536</form></div> 537 538 539 </div> 540 541 542 543<div class="row"> 544 <div class="col-12"> 545 <div class="card border-light mb-3 brand-border-tertiary"> 546 <div class="card-body"> 547 <h5 class="card-title d-flex justify-content-between"> 548 <a href="/contact/" class="brand-text-primary">Contact</a> 549 <small class="text-muted"> Contact Us</small> 550 </h5> 551 <p class="card-text text-gray font-size-14"></p> 552 </div> 553 </div> 554 </div> 555</div> 556 557 558 559 560 561<div class="row"> 562 <div class="col-12"> 563 <div class="card border-light mb-3 brand-border-tertiary"> 564 <div class="card-body"> 565 <h5 class="card-title d-flex justify-content-between"> 566 <a href="/resources/home-refinance/" class="brand-text-primary">Home Refinance</a> 567 <small class="text-muted"> Page</small> 568 </h5> 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> 570 </div> 571 </div> 572 </div> 573</div> 574 575 576 577 578 579<div class="row"> 580 <div class="col-12"> 581 <div class="card border-light mb-3 brand-border-tertiary"> 582 <div class="card-body"> 583 <h5 class="card-title d-flex justify-content-between"> 584 <a href="/reasons-to-refinance/" class="brand-text-primary">Reasons to Refinance</a> 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> 588 </div> 589 </div> 590 </div> 591</div> 592 593 594 595 596 597<div class="row"> 598 <div class="col-12"> 599 <div class="card border-light mb-3 brand-border-tertiary"> 600 <div class="card-body"> 601 <h5 class="card-title d-flex justify-content-between"> 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? 606When you refinance your mortgage, you replace your original mortgage with a ...</p> 607 </div> 608 </div> 609 </div> 610</div> 611 612 613 614 615 616<div class="row"> 617 <div class="col-12"> 618 <div class="card border-light mb-3 brand-border-tertiary"> 619 <div class="card-body"> 620 <h5 class="card-title d-flex justify-content-between"> 621 <a href="/contact-us/" class="brand-text-primary">Contact Us</a> 622 <small class="text-muted"> Page</small> 623 </h5> 624 <p class="card-text text-gray font-size-14">Ready to get started? Complete the contact form below to receive a follow-up from a local loan officer.</p> 625 </div> 626 </div> 627 </div> 628</div> 629 630 631 632 633 634<div class="row"> 635 <div class="col-12"> 636 <div class="card border-light mb-3 brand-border-tertiary"> 637 <div class="card-body"> 638 <h5 class="card-title d-flex justify-content-between"> 639 <a href="/first-time-home-buyer/" class="brand-text-primary">First-Time Home Buyer</a> 640 <small class="text-muted"> Page</small> 641 </h5> 642 <p class="card-text text-gray font-size-14">We've compiled these helpful tools and resources to get you started on the mortgage process.</p> 643 </div> 644 </div> 645 </div> 646</div> 647 648 649 650 651 652<div class="row"> 653 <div class="col-12"> 654 <div class="card border-light mb-3 brand-border-tertiary"> 655 <div class="card-body"> 656 <h5 class="card-title d-flex justify-content-between"> 657 <a href="/home-purchase-calculator/" class="brand-text-primary">Home Purchase Calculator</a> 658 <small class="text-muted"> Page</small> 659 </h5> 660 <p class="card-text text-gray font-size-14"></p> 661 </div> 662 </div> 663 </div> 664</div> 665 666 667 668 669 670<div class="row"> 671 <div class="col-12"> 672 <div class="card border-light mb-3 brand-border-tertiary"> 673 <div class="card-body"> 674 <h5 class="card-title d-flex justify-content-between"> 675 <a href="/rent-vs-buy-calculator/" class="brand-text-primary">Rent Vs Buy Calculator</a> 676 <small class="text-muted"> Page</small> 677 </h5> 678 <p class="card-text text-gray font-size-14"></p> 679 </div> 680 </div> 681 </div> 682</div> 683 684 685 686 687 688<div class="row"> 689 <div class="col-12"> 690 <div class="card border-light mb-3 brand-border-tertiary"> 691 <div class="card-body"> 692 <h5 class="card-title d-flex justify-content-between"> 693 <a href="/terms-of-use/" class="brand-text-primary">Terms of Use</a> 694 <small class="text-muted"> Page</small> 695 </h5> 696 <p class="card-text text-gray font-size-14"></p> 697 </div> 698 </div> 699 </div> 700</div> 701 702 703 704 705 706<div class="row"> 707 <div class="col-12"> 708 <div class="card border-light mb-3 brand-border-tertiary"> 709 <div class="card-body"> 710 <h5 class="card-title d-flex justify-content-between"> 711 <a href="/loan-types/" class="brand-text-primary">Loan Types</a> 712 <small class="text-muted"> Page</small> 713 </h5> 714 <p class="card-text text-gray font-size-14">Let's start together</p> 715 </div> 716 </div> 717 </div> 718</div> 719 720 721 722 723 724<div class="row"> 725 <div class="col-12"> 726 <div class="card border-light mb-3 brand-border-tertiary"> 727 <div class="card-body"> 728 <h5 class="card-title d-flex justify-content-between"> 729 <a href="/refinance-process/" class="brand-text-primary">Refinance Process</a> 730 <small class="text-muted"> Page</small> 731 </h5> 732 <p class="card-text text-gray font-size-14">Step 1: Identify objectives – 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> 733 </div> 734 </div> 735 </div> 736</div> 737 738 739 740 741 742<div class="row"> 743 <div class="col-12"> 744 <div class="card border-light mb-3 brand-border-tertiary"> 745 <div class="card-body"> 746 <h5 class="card-title d-flex justify-content-between"> 747 <a href="/officers/todd-krahling/" class="brand-text-primary">Todd Krahling</a> 748 <small class="text-muted"> Contact</small> 749 </h5> 750 <p class="card-text text-gray font-size-14">Vice President of Sales</p> 751 </div> 752 </div> 753 </div> 754</div> 755 756 757 758 759 760<div class="row"> 761 <div class="col-12"> 762 <div class="card border-light mb-3 brand-border-tertiary"> 763 <div class="card-body"> 764 <h5 class="card-title d-flex justify-content-between"> 765 <a href="/branches/maryland/loan-officer/todd-krahling/" class="brand-text-primary">Todd Krahling</a> 766 <small class="text-muted"> Contact</small> 767 </h5> 768 <p class="card-text text-gray font-size-14">Vice President of Sales</p> 769 </div> 770 </div> 771 </div> 772</div> 773 774 775 776 777 778<div class="row"> 779 <div class="col-12"> 780 <div class="card border-light mb-3 brand-border-tertiary"> 781 <div class="card-body"> 782 <h5 class="card-title d-flex justify-content-between"> 783 <a href="/team-locations/maryland/loan-officers/todd-krahling/" class="brand-text-primary">Todd Krahling</a> 784 <small class="text-muted"> Contact</small> 785 </h5> 786 <p class="card-text text-gray font-size-14">Vice President of Sales</p> 787 </div> 788 </div> 789 </div> 790</div> 791 792 793 <div class="row"> 794 <div class="col-12 text-center"> 795 <nav aria-label="Search navigation"> 796 <ul class="pagination justify-content-center"> 797 <li class="page-item disabled"> 798 <a class="page-link brand-text-primary" href="/search?searchText=refinance&page=0"> 799 Previous 800 </a> 801 </li> 802 <li class="page-item active" aria-current="page">
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836<script> 837 $(document).ready(function () { 838 //bootstrap class placement 839 $('.form-field').addClass('row'); 840 $('.control-label').addClass('col-md-6 col-sm-12 col-xs-12'); 841 $('.editing-form-control-nested-control').addClass('col-md-6 col-sm-12 col-xs-12'); 842 843 //Thumb replacer 844 $('.ktc-radio label:contains("ThumbsUp")').empty().append('<span><i class="fa fa-thumbs-up"><span class="hidden">Thumbs Up</span></i></span>'); 845 $('.ktc-radio label:contains("ThumbsDown")').empty().append('<span><i class="fa fa-thumbs-down"><span class="hidden">Thumbs Down</span></i></span>'); 846 847 //Add thumb color class 848 $('.search-rating-container .ktc-radio-list .ktc-radio:nth-child(1)').addClass('brand-text-secondary'); 849 $('.search-rating-container .ktc-radio-list .ktc-radio:nth-child(2)').addClass('brand-text-secondary'); 850 }); 851 852 //Prepend checkmark to success message 853 $('.search-rating-container').bind('DOMSubtreeModified', function (e) { 854 if (e.target.innerHTML.length > 0) { 855 $('.formwidget-submit-text').empty().prepend('<span><i class="fa fa-check-circle" style="color:#1b926c; margin-right:5px;"><span class="hidden">Check</span></i></span> Thanks for your feedback'); 856 } 857 }); 858 859 //Button click proxy for search 860 $('#addon-wrapping').click(() => { 861 $('#search-results-search').click(); 862 }); 863 864 //Change icon color 865 $('.ktc-radio i').click(() => { 866 $(this).addClass('.brand-text-primary'); 867 }); 868 869 //button click proxy for rating 870 $('.ktc-radio label').click(() => { 871 setTimeout(function () { 872 $('.search-rating-container .button-blue').click(); 873 }, 100); 874 }); 875</script>
875 876 877<style> 878 h5 a{ 879 padding-right:15px; 880 } 881 882 .control-label { 883 font-size: 20px; 884 text-align: right; 885 padding-top: 10px; 886 font-weight:bold; 887 } 888 889 .ktc-radio label{ 890 font-size:30px; 891 } 892 893 .ktc-radio i { 894 cursor:pointer; 895 } 896 897 .search-rating-container .ktc-radio-list .ktc-radio:nth-child(1) { 898 position: absolute; 899 left: 65px; 900 } 901 902 .search-rating-container .ktc-radio-list .ktc-radio:nth-child(2) { 903 position: absolute; 904 left: 165px; 905 top: 8px; 906 } 907 908 .search-rating-container .ktc-radio-list .ktc-radio input, 909 .search-rating-container .button-blue { 910 display: none !important; 911 } 912 913 .search-rating-container .form-field{ 914 padding-bottom:15px; 915 } 916 917 .formwidget-submit-text { 918 text-align: center; 919 font-size: 20px; 920 padding-bottom: 15px; 921 font-weight:bold; 922 } 923 924 #addon-wrapping:hover { 925 cursor: pointer; 926 } 927 928 .search-rating-container .ktc-radio-list .ktc-radio:nth-child(1):hover, 929 .search-rating-container .ktc-radio-list .ktc-radio:nth-child(2):hover { 930 color: var(--brand-primary) !important; 931 } 932 933 @media only screen and (max-width: 767px) { 934 .control-label{ 935 margin-bottom:20px; 936 text-align:center; 937 } 938 939 .search-rating-container .form-field{ 940 padding-bottom:0px; 941 } 942 943 .search-rating-container .ktc-radio-list .ktc-radio:nth-child(1), 944 .search-rating-container .ktc-radio-list .ktc-radio:nth-child(2) { 945 position: inherit; 946 } 947 } 948 949</style> 950 </main> 951 <footer id="footer" class="row px-lg-5 px-3 py-5"> 952 <div class="container-fluid"> 953 <div class="row flex-column flex-lg-row"> 954 <div class="footer-logo col-lg-5 col-12 col-sm-6 offset-sm-3 m-lg-0 mx-auto mt-0 mb-4"> 955 <a href="/"> 956 957 <img src="https://homesalemortgage.com/getattachment/29d884ac-e6ef-48ba-8568-895ba4ea1d61/HSM_Web_Footer_Logo.png" alt="HomeSale Mortgage, LLC" class="footer-logo d-block mx-auto"> 958 959 </a> 960 <ul class="list-group list-unstyled d-flex flex-row justify-content-center mt-4"> 961 <li class="list-group-item py-0 px-3 border-0"> 962 963 <a href="https://www.facebook.com/homesalemortgage" target="_blank"> 964 <i class="fab fa-facebook-square brand-text-primary"> 965 <span class="hidden">facebook</span> 966 </i> 967 </a> 968 969 </li> 970 <li class="list-group-item py-0 px-3 border-0"> 971 972 <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 & 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 & 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 |
Delaware |
Florida |
Louisiana |
Maryland |
Mississippi |
North Carolina |
Ohio |
Pennsylvania |
Tennessee |
Virginia |
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 Mortgageâs 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 © 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> 1157 <!-- Modal [see jquery.main.js] --> 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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