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Now Lending in Scranton

Scranton home loans —
the Electric City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Scranton and Lackawanna County. From grand homes in the Hill Section to tidy streets in Green Ridge, we bring local guidance to the Electric City — 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
Lackawanna County
Scranton Coverage
14 days*
Close In As Little As
$832,750
2026 Lackawanna County Conforming Limit
5.0 ★
Google Review Rating
Scranton Markets

Local lending across
every Scranton neighborhood.

Scranton Neighborhoods

Stately historic sections, established residential districts, and an affordable, walkable downtown.

  • The Hill Section
  • Green Ridge
  • West Side & Tripp Park
  • Downtown & East Mountain
Affordable Valley Living

A revitalizing healthcare, education, and logistics hub with very attainable home prices.

  • First-time & affordable programs
  • Historic rehab financing
  • Lackawanna County coverage
  • Minutes to I-81 & the Valley
Every Kind of Scranton Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • Historic rehab & renovation loans
  • FHA & VA financing
  • Investment & rental properties (DSCR)
Hill SectionGreen RidgeWest SideTripp ParkEast MountainSouth SideMinookaDowntownPetersburg
Loan Programs in Scranton

Financing for every
kind of Scranton buyer.

FHA Loans

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

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VA Loans

0% down for Scranton'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 Scranton's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Scranton mortgage
questions answered.

We serve homebuyers and homeowners throughout Scranton and Lackawanna County, including the Hill Section, Green Ridge, the West Side, and East Mountain, plus the wider Valley.
The 2026 conforming loan limit is $832,750 in Lackawanna County, including Scranton. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Scranton 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 Scranton home journey?

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

Start My Application Call (561) 299-5825