Your 1 stop info source for local mortgage information .


Welcome to the site specifically designed for Central Pennsylvania
home buyers!  Here you will find vital information for today's complex
mortgage environment.  You can also sign up for and receive no
hassle current mortgage rates.  Shopping around for interest rates
or just need a basis of comparison?  I can provide no hassle
closing cost estimates. Remember rates can change several times
on a daily basis.   Submitting the no hassle mortgage quote form will
give you the most  custom current mortgage interest rates based on
your specific information.  Many lenders only provide best case
scenario pricing which does not give you an accurate indication of
your actual rate.  Be aware before you make a 30 year mistake!












Here is what I can do for you

Provide a free consultation to match your mortgage needs with the
products and services we offer

Up to the minute rate updates.  Rates can change constantly in a volatile
market.  If you have a rate in mind, I can make sure you are informed as
soon as possible so that it can be locked in!



Tip of the Month: Get in the Game Before It is too late

The Federal Reserve will allow its $300 billion Treasury-buying program to end
by the end of October as signs of a housing recovery prompt the central bank to
unwind one its most aggressive and unusual interventions into financial
markets.  Find out why this could cost you thousands
of dollars.



TESTIMONIALS – “You were very helpful in getting our feet wet on the whole process
and we had a lot of confidence that we would be in good hands with you. I will definitely
forward your information to anyone that I know that is buying a house now or in the future.”
Adam Witman, York

“You have saved our family a tremendous amount of money and made sure we got the
best rate.  We worked with a lot of Mortgage Brokers and Banks.  You certainly gave us
the attention we needed.  We are confident we made the right decision by refinancing.  
We have already recommended you to our family.  We will continue to keep you in mind
and will be glad to recommend you to all our friends and family.” Angala and Edward
Smith,
                  Chambersburg

“I have had several opportunities to do business with Ray Smith
of Home National Mortgage.  Ray has proven himself to be
reliable, knowledgeable, hard working, and extremely helpful
in situations where we worked together.  I would be completely
comfortable in recommending Ray’s services.”
         Brian Schulman
         Realtor for Coldwell Banker

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Central PA House Buyers - The local mortgage info you
need to make informed decisions about your home
purchase
Ray Smith, MPA
Officially Licensed Mortgage Consultant
NMLS #145000

Cell: 717.538.0354 fax: 717.427.4211  
email: rsmith@homenat.com

FILL OUT AN ONLINE MORTGAGE
APPLICATION
RIGHT HERE:  CLICK FOR APPLICATION
If you are a First Time Buyer NOW IS THE TIME TO
BUY!

THE FIRST TIME HOME BUYER TAX CREDIT ENDS ON
December 1, 2009.  DO NOT MISS YOUR CHANCE FOR
$8000 of FREE MONEY!

BRIDGE LOANS UP TO $5000 ARE AVAILABLE TO HELP
YOU WITH CLOSING COSTS.  CALL ME FOR DETAILS.
Want a rate quote now?  Try using my online
chat feature or text message me for a rate
quote.