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Business Details
Trusted Mortgage Brokers in State College, PA
We are Principle Home Mortgage, a full-service Pennsylvania mortgage broker dedicated to providing exceptional customer service for all borrowers. Our team operates in State College and brings decades of experience in Pennsylvania mortgages, specializing in helping clients find the right mortgage solutions tailored to their unique needs. We offer a comprehensive range of loan programs, including FHA, VA, USDA, conventional, reverse, and renovation mortgages, as well as refinancing options.

Our mission is to guide clients through every step of the mortgage process, ensuring clarity, confidence, and a positive experience. With a focus on personalized service, we help first-time homebuyers, veterans, and other borrowers navigate special programs and secure financing that aligns with their financial goals. Our licensed professionals are committed to transparency, expertise, and reliability, making us a trusted partner in Pennsylvania's mortgage industry.
Services
FHA Mortgages VA Mortgages USDA Mortgages Mortgage Refinance Reverse Mortgages Construction Loans Home Renovation Loans Conventional Mortgages First Time Homebuyers
Highlights and features
  • We offer decades of Pennsylvania mortgage expertise.
  • Our team provides personalized service for all borrower situations.
  • We specialize in FHA, VA, USDA, and conventional loan programs.
  • We guide first-time homebuyers through the entire mortgage process.
  • Our licensed professionals ensure transparent and reliable service.
Associations and certifications
  • Pennsylvania Department of Banking
What people say
Unwavering support Excellent job Always available Extremely friendly Prompt service
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Services
FHA Mortgages
FHA mortgages provide accessible financing with 3.5% down payments and up to 6% seller assistance. Ideal for first-time buyers and those with moderate credit, these loans offer flexible terms and competitive rates. Our team guides clients through eligibility requirements and application processes.
VA Mortgages
VA loans offer zero down payment options and no mortgage insurance for eligible veterans and spouses. These government-backed loans feature favorable rates and streamlined refinancing. We specialize in verifying eligibility and securing approvals for Pennsylvania service members.
Mortgage Refinance
Refinancing options help lower monthly payments, consolidate debt, or access home equity. We evaluate current loan terms and market conditions to determine optimal refinancing strategies. Our process simplifies paperwork and accelerates approval timelines.
Reverse Mortgages
Reverse mortgages allow homeowners 62+ to convert equity into tax-free income without selling their home. We explain eligibility criteria, payment options, and financial implications. Our counselors ensure clients understand long-term impacts and alternatives.
Construction Loans
One-time close construction loans finance land purchase and home building with a single approval. We coordinate with builders and inspectors to release funds at project milestones. Our programs support custom home designs and renovation projects.
People
David Shane Whitteker
Licensed Loan Officer
With over 20 years of mortgage experience, Shane specializes in Pennsylvania home loans. He holds NMLS ID# 145626 and focuses on first-time buyer programs and complex loan scenarios. His client-first approach ensures clear communication and timely closings.
Kate Whitteker
Licensed Loan Officer
Kate brings expertise in VA and USDA loans, holding NMLS ID# 851733. She assists rural homebuyers and veterans in securing zero-down financing. Her attention to detail helps clients navigate government loan requirements and documentation.
Questions
What mortgage programs do you offer?
We provide FHA, VA, USDA, conventional, reverse, and construction loans, along with refinancing options tailored to Pennsylvania residents.
How do I determine mortgage eligibility?
Contact us for a pre-approval assessment that evaluates credit, income, and debt-to-income ratio for specific loan programs.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through down payment assistance programs and low-documentation options.
Can I refinance an existing mortgage?
We offer rate-and-term refinancing, cash-out options, and streamline VA/HARP refinances to reduce payments or access equity.
What areas do you serve?
We primarily serve State College and all Pennsylvania counties, with remote processing available for qualified borrowers.
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