Mountain Mortgage
PA Purchase Quote
FHA, Conventional & VA side-by-side. Full fee worksheet — every line item, down to the county transfer tax.
See My Real Numbers
Local Poconos Mortgage Brokers
Your Mortgage. Simplified.
See your real rate, payment, and cash to close in 60 seconds — no credit pull, no spam calls, no waiting for a callback.
Mountain Mortgage NMLS #2336068
Paul London NMLS #1578675
Equal Housing Lender
5-Star Google & Zillow Reviews
Free Instant Quote Tools
Run your real numbers — instantly, free, ungated.
Most lenders make you hand over your phone number to see anything. Ours work the other way around: numbers first, conversation only if you want one.
DSCR Instant Quote
Every rate, structure, and prepay option for your rental or Airbnb. Long-term and short-term rental income.
Price My DealNo other lender in the Poconos — or anywhere near it — shows you this before you hand over your contact info.
Where are you in your journey?
Wherever you're starting, we'll help you find the right path
Buying in the Poconos isn't one-size-fits-all. Tell us where you are and we'll guide you from there.
Relocating
New to the Poconos?
We connect the dots between local rules, HOAs, taxes, and your mortgage options — so you understand the full picture before you buy.
Explore the relocation guide
First-Time Buyer
Buying your first home?
Get clear on your payment, cash to close, and loan options before you fall in love with a property.
Start with the first-time buyer guide
Investment / STR
Thinking about an Airbnb or investment property?
We'll help you review loan options, local STR rules, and realistic numbers before you write an offer.
Explore investment options
Why Mountain Mortgage
Local actually means something here
Anyone can say "local expertise." Here's what it looks like when your lender actually lives and closes loans in the Poconos:
- Community capital contributions. Saw Creek and Lake Naomi charge them at closing — we put them in your cash-to-close estimate before you write the offer, not at the closing table.
- Wells and septics. Half the homes up here have them. We know which lenders underwrite them without drama — and which ones stall.
- Township STR permits. Coolbaugh, Tobyhanna, and Middle Smithfield each handle short-term rentals differently. We price your deal around the actual rules.
- Log homes and A-frames. Unique properties need appraisers who can actually find the comps. We know who they are.
Reviews
What our clients say
Real reviews from real Poconos homebuyers and investors.
★★★★★
"I cannot recommend Paul London highly enough! As a first-time homebuyer, I was naturally nervous about the process, but Paul made everything absolutely seamless from start to finish. He took the time to explain everything clearly, answered all my questions (no matter how small), and made sure I felt comfortable and informed throughout the entire process. Thanks to Paul, what could have been an overwhelming experience turned into an exciting and smooth journey to homeownership."
★★★★★
"Paul is the absolute best. He listened to everything we were looking for and picked some really great properties. He's extremely knowledgeable and so comfortable to be around. He made the process so easy. I would 1000 times recommend him to anyone and everyone that is looking to buy a property."
★★★★★
"Paul was amazing with his all around knowledge along with him being a mortgage broker it was a one stop shop!! He also went out of his way to help with any thing needed to keep the ball rolling! Would highly recommend and will definitely be using for transactions in the future."
Mortgage 101
Not ready to apply? Start here.
Plain-English answers to the questions every Poconos homebuyer is asking.
How much cash do I really need to close in the Poconos?
Down payment, closing costs, prepaids, escrow — what to expect and how to plan.
Read the articleWhat's actually in my Poconos mortgage payment?
Principal, interest, taxes, insurance, HOA, PMI — broken down clearly.
Read the articleConventional vs FHA vs VA — which fits you?
A simple comparison of the most common loan types, with Poconos-specific notes.
Read the articleKnow your numbers before you make your move.
We'll review your situation, explain your options, and show you the real numbers — no pressure, no jargon, no spam calls.
Or reach us directly: (484) 469-5070 · info@mountainmortgage.us