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Now Lending in Allentown

Allentown home loans —
the heart of the Lehigh Valley.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Allentown and Lehigh County. From classic West End homes to revitalized downtown blocks, we bring local guidance to Pennsylvania's fastest-growing region — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Lehigh County
Allentown Coverage
14 days*
Close In As Little As
$832,750
2026 Lehigh County Conforming Limit
5.0 ★
Google Review Rating
Allentown Markets

Local lending across
every Allentown neighborhood.

Allentown Neighborhoods

Established West End streets, a revitalizing downtown, and growing suburban townships.

  • The West End
  • Center City Allentown
  • South Allentown
  • Upper Macungie & the suburbs
Lehigh Valley Growth

A fast-growing logistics and healthcare hub with easy access to New York and Philadelphia.

  • First-time & relocation programs
  • New-construction financing
  • Lehigh County coverage
  • Minutes to I-78 & Route 22
Every Kind of Allentown Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • FHA & VA financing
  • Investment & rental properties (DSCR)
West EndCenter CitySouth AllentownEast SideUpper MacungieTrexlertownOld AllentownMidway ManorDowntown
Loan Programs in Allentown

Financing for every
kind of Allentown buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Allentown homebuyers.

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VA Loans

0% down for Allentown's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Allentown's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Allentown investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Allentown's self-employed borrowers.

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FAQ

Allentown mortgage
questions answered.

We serve homebuyers and homeowners throughout Allentown and Lehigh County, including the West End, Center City, South Allentown, and the East Side, plus the wider Lehigh Valley.
The 2026 conforming loan limit is $832,750 in Lehigh County, including Allentown. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Allentown borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Allentown home journey?

Get pre-approved today — no cost, no obligation. Allentown borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825