Now Lending in Reading
Reading home loans —
the heart of Berks County.
Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Reading and Berks County. From the Victorian porches of Centre Park to walkable West Reading, we bring local guidance to one of Pennsylvania's most affordable markets — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.
Berks County
Reading Coverage
14 days*
Close In As Little As
$832,750
2026 Berks County Conforming Limit
5.0 ★
Google Review Rating
Reading Markets
Local lending across
every Reading neighborhood.
Reading Neighborhoods
Historic city districts, a boutique borough next door, and established suburban townships.
- Centre Park & Hampden Heights
- West Reading & Wyomissing
- Mount Penn & Hyde Park
- Spring & Exeter Townships
Affordable & Central
A logistics and manufacturing hub with some of the most attainable home prices in the region.
- First-time & affordable programs
- Renovation financing
- Berks County coverage
- Minutes to Route 422 & the Turnpike
Every Kind of Reading Buyer
From first homes to move-up and investor purchases.
- First-time & move-up buyers
- Rowhome rehab & renovation loans
- FHA & VA financing
- Investment & rental properties (DSCR)
Centre ParkWest ReadingWyomissingMount PennHampden HeightsHyde ParkSpring TownshipExeter TownshipDowntown
Loan Programs in Reading
Financing for every
kind of Reading buyer.
FAQ
Reading mortgage
questions answered.
We serve homebuyers and homeowners throughout Reading and Berks County, including Centre Park, West Reading, Wyomissing, and Mount Penn, plus the surrounding townships.
The 2026 conforming loan limit is $832,750 in Berks County, including Reading. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Reading 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 Reading home journey?
Get pre-approved today — no cost, no obligation. Reading borrowers, let's get you to the closing table.