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Pennsylvania Mortgage Laws Every Homeowner Should Know

Pennsylvania Mortgage Laws

Although purchasing and owning a home is an exciting experience for first time buyers, the process of applying for and securing a mortgage can be overwhelming, especially when they are not familiar with current mortgage laws in their state. Below are some of the most important Pennsylvania mortgage laws that all homeowners should familiarize themselves with before signing their first loan agreement.

Mortgage Sellers Must be State-licensed

Anyone who is involved in the selling of mortgages in Pennsylvania must be licensed by the state. Before a license is granted, a full background check will be performed and proof must be provided regarding the fact that the seller has completed the necessary training and has been certified by the Department of Banking of Pennsylvania. Mortgage sellers will also need to demonstrate complete confidence in all aspects of the mortgage loan industry before being allowed to sell loans as well.

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