Don't have 20% saved? See how Lehigh Valley buyers can purchase with far less down through FHA, conventional, VA, USDA, and PHFA programs.

Explore FHA loans for first-time homebuyers in Lehigh Valley, PA. Learn about low down payments, credit requirements, and financing options with RHMC.

Shopping for a mortgage in the Lehigh Valley? Here are 10 questions to ask a lender about programs, costs, PHFA assistance, and closing.

Looking for a top-rated mortgage lender in New Jersey? Learn what to look for, which questions to ask, and how to choose the right lender for your homebuying goals.

Buying your first home in New Jersey? Learn what first-time homebuyers need to know in 2026, from mortgage options and down payments to preparing for the hombuying process.

Buying a home or refinancing a mortgage starts with understanding your options. Whether you're a first-time homebuyer, a veteran, a homeowner looking to access your equity, or you're purchasing a higher-priced home, the right mortgage depends on your goals, finances, and property. I'm Phillip Cresta, a mortgage professional with Residential Home Mortgage Corporation (RHMC). I work with homebuyers and homeowners across Hunterdon County and the surrounding area to help them un