The next step is hunting down the best mortgage for that Bethlehem home for purchasing or refinancing. An excellent starting point is here: simply give us an idea of the type of loan you want. You will receive bids from multiple Bethlehem lenders that will compete to provide a loan at the lowest rate, matching you with nearly 5 Bethlehem mortgage lenders. Your mortgage may be for a new home, refinancing or perhaps a home equity loan - in any case, the best way to start is to see what everybody offers.

How much of a Mortgage?

Mortgage affordability is important to the bank, but crucial for you. As of 2005, the average Bethlehem mortgage payment was $1,179 which will give you an idea of what you can expect even with historically low rates. Our mortgage calculator will help you plug in the critical components so that you can determine how large a home loan is reasonable for your Bethlehem home.

Bethlehem is a major city in Pennsylvania with no shortage of reputable mortgage lending institutions. These include financial houses working with us such as: Millstone Mortgage Lp, Crystal Mortgage, Valley Mortgage Services llc, Homesource Mortgage Services llc.Commonwealth Funding Group.Gateway Funding Diversified Mtg Srvs Lp.

Bethlehem Mortgage & Real Estate Market

In 2006 Bethlehem housing sales were at an all time high; down recently but leveling off. As of 2005, the median home value in Bethlehem was $145,200. This number is big in comparison to the median home value back in 2000 of $97,400. Bethlehem has a solid home ownership base with 30,845 houses and apartments and 56% of those are occupied by their owners. Despite the current market, historically Bethlehem has been a city where people move, buy and stay - with 46% of homeowners currently paying off a mortgage. About 14% of the city's current homeowners are carrying a second mortgage or home equity loan.

ACA Mortgage
1150 Lancaster Blvd Suite 200 Mechanicsburg, PA	Phone: 717-591-3278 Ask for: Allen Bob
Special Mortgage Programs
Call Robyn Sealover, toll-free at 877-970-3278 or Apply On-Line Today!!! We have access to virtually every loan program in the country AND the ACA Mortgage Guarantee. FULL explantion and disclosure. NO Advance Lender Fees. NO Suprises at Closing.
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Housing	Bethlehem, PA	United States
Median Home Cost	$173,000	$217,200
Homes Owned	55.08%	64.07%
Homes Rented	39.74%	21.45%
Home Appreciation	15.50%	9.80%

Location	Population	Median Family Income (2005)
Allentown	106,632	$32,016
Altoona	49,523	$28,248
Bethel Park	33,556	$53,791
Bethlehem	71,329	$35,815
Chester	36,854	$25,703
Erie	103,717	$28,387

Category	Value
Homes With No Mortgage	40%
First Mortgage Only	46%
2nd Mortgage or Home Equity	14%
Second Mortgage Only	5%
Home Equity Loan Only	9%

Mortgage Type	Today	Last Week	Change
30 yr fixed	6.03	6.24	0.035%
15 yr fixed	5.47	5.72	0.046%
5/1 ARM	5.34	5.43	0.017%
3/1 ARM	5.48	5.42	0.011%

Your dream of home ownership, refinancing, or using your homes equity might just be an
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