Non-QM & Self-Employed Mortgages in Pennsylvania

About 501,269 people work for themselves across the Pennsylvania counties in our data, and lenders reported 2,295 first mortgages there in 2024 with interest-only, balloon or other features that fall outside the Qualified Mortgage rules. This page covers the Pennsylvania rules self-employed and non-QM borrowers ask about, every program by state, and local pages for 270 cities and towns.

Self-employed or outside the box in Pennsylvania?

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Pennsylvania rules and records to know

Mortgage licensing: Pennsylvania Department of Banking and Securities
Business entity records: Pennsylvania Department of State, Bureau of Corporations and Charitable Organizations
CPA licensing: Pennsylvania State Board of Accountancy
Professional license lookup: Pennsylvania Department of State
Condo buyers: Pennsylvania condominiums are governed by the Uniform Condominium Act in Title 68 of the Pennsylvania Consolidated Statutes, which includes a chapter on protection of purchasers covering resales of units; cooperatives and planned communities have their own separate parts of Title 68.
Foreclosure process: Judicial: the lender must bring a foreclosure action, and the home is sold at a sheriff's sale; before starting, lenders must send homeowners in default the state-required Act 91 notice.
Recording taxes and fees: State realty transfer tax on deeds and other writings that transfer real estate (collected by county Recorders of Deeds), often along with an additional local realty transfer tax shared with municipalities and school districts.

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Prefer to talk first? Call (888) 508-8976. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Non-QM programs in Pennsylvania

Larger Pennsylvania cities

https://www.pa.gov/agencies/dobs/non-bank-licensees.html
https://phfa.org/homebuyers
https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/realty-transfer-tax.html
https://dced.pa.gov/local-government/property-tax-relief-homestead-exclusion/
https://www.phfa.org/forms/hemap/act91notice2021revisionfinaleffective4_3_2021withfootnotes.pdf
https://www.pa.gov/agencies/dos/programs/business/information-services/record-searches
https://file.dos.pa.gov/
https://file.dos.pa.gov/search/business
https://www.pa.gov/services/dos/verify-a-professional-or-occupational-license
https://www.pals.pa.gov/#!/page/search