Hi!  My name is Jennifer Kladny.  I am a loan officer who deals in the financing of residential mortgages.  I work for 1st Metropolitan Morgage in New Stanton, PA. 

The best financing I am able to offer is through The Guaranteed Rural Housing Loan Program on residentail, single family homes.  I can do these in loans for most locations in Pennsylvania.  My area of expertise is in the Armstrong County, Kittanning, Ford City and surrounding areas.  Check out the Advantages of the 100% Financing Guaranteed Rural Housing Loan Program - Buy with No Money Down.

The Guaranteed Rural Housing Loan Program is backed by the USDA.  Most properties in Pennsylvania are eligible for this program.  In my area, Armstrong County, every single property within the county lines are elegible. 

In this program, loan amounts are based on appraised value (vs actual sales price) which allows you or your buyer to wrap closing costs in with the loan.  There is a 2% guarantee fee on top of the loan amount that is paid to Rural Development which eliminates private mortgage insurance. 

There is nothing out there that beats this program.  Rates are low on a 30 year fixed mortgage.  There is no minimum credit score to apply.  Rural Development is looking for clean credit in the last 12 months with no bankruptcy or foreclosures in the past 3 years - unless you have a good explanation on the past credit problems (death in family, illness, etc).  If you have a 620 credit scores, it is an automatic approval. 

Please feel free to contact me for more information or to apply for this great program (or one of our other low to no down payment programs)!  I can be reached directly at 724-783-7180.   Thanks!  JENNIFER

My area of expertise is in financing and real estate investing.  Prior to working as a loan officer, I owned a real estate investing business (having bought and sold many dozens of houses and mobile homes).  Before working full time as an investor, I worked as a loan officer selling mortgages on residential housing and commercial buildings.  I have been a landlord since 1995. 

I am able to finance homes located in both Pennsylvania and Virginia.  See "About Me" for more information on the Rural Housing Program.   

I can finance mobile homes in the following states: Pennsylvania, Ohio, New York, Deleware and Virginia.  All loans require a down payment, which is normally 10%.  These mobile homes can be located in parks or on private rented land.  Interest rates can range anywhere from 8-14% depending on the buyer's credit score and the year of the home.  Terms vary depending on the year of the mobile home. 

Please contact me if you would like any further information.