PHILADELPHIA MORTGAGE BROKER

Jennifer Chicano
Mortgage Broker in Philadelphia, PA

Jennifer Chicano helps Philadelphia homebuyers and homeowners compare mortgage options for purchasing or refinancing a home. Get personalized guidance based on your property, financial picture and goals.

NMLS #1194079

Loan Programs

Philadelphia Home Loans For Every Goal

Explore mortgage options for buying or refinancing a home in Philadelphia, with loan programs designed for different

property types, financial profiles and homeownership goals.

Conventional

Flexible financing options for eligible borrowers, with a variety of down payment and loan term choices.

FHA Loans

Government insured financing with flexible qualification and down payment options for eligible borrowers.

VA Loans

VA financing may offer eligible veterans, active duty service members and surviving spouses options with no down payment.

USDA Loans

USDA financing may offer eligible borrowers no down payment options for qualifying properties in designated areas.

Jumbo Loans

Financing options for higher loan amounts that exceed applicable conforming loan limits.

Refinancing

Explore options to change your mortgage rate or term, access available equity or restructure your current financing.

First-Time Homebuyer

Explore loan programs and available down payment assistance options that may help eligible first time homebuyers.

THE JENNIFER CHICANO DIFFERENCE

Why Philadelphia Homebuyers Work With Jennifer

Mortgage decisions involve more than choosing a loan program. Jennifer helps Philadelphia homebuyers understand their financing, compare available options and build a mortgage strategy around their property, financial picture and goals.

Mortgage Broker Advantage: Compare available mortgage options from multiple lenders to find financing that fits your situation.

Personalized Mortgage Strategy: Evaluate loan structure, down payment, monthly payment and other financing considerations together.

Clear Guidance: Understand your mortgage options, requirements and next steps throughout the financing process.

One on One Service: Work directly with Jennifer from your initial conversation through closing.

A classic Philadelphia rowhouse street reflecting the local housing market

PHILADELPHIA ROOTS

Philadelphia Is Home

South Philadelphia

Jennifer’s hometown and the foundation of her lifelong connection to Philadelphia.

Philadelphia & Surrounding Communities

Mortgage guidance for homebuyers and homeowners throughout Philadelphia and surrounding Pennsylvania communities.

Jennifer Chicano was born and raised in South Philadelphia, and her connection to the city remains personal. Although she now lives in Denver, her parents and family still call Philadelphia home, and she returns regularly.

That firsthand connection gives Jennifer a perspective that goes beyond simply being licensed in Pennsylvania. She understands Philadelphia as someone who grew up here, while bringing the mortgage experience and financing resources to help today’s homebuyers and homeowners evaluate their options.

PHILADELPHIA SUCCESS STORIES

Real Results For Local Homebuyers

SERVICE AREA

Serving Philadelphia And Surrounding Communities

Jennifer Chicano provides mortgage guidance to homebuyers and homeowners throughout Philadelphia and surrounding Pennsylvania communities. Whether you are buying or refinancing, Jennifer can help you compare financing options and develop a mortgage strategy based on your property, financial picture and goals.

EXPERT GUIDANCE

Your Philadelphia Mortgage Questions Answered

Get clear answers to common questions about home loans, mortgage options and the financing process for homebuyers in Philadelphia, PA.

What are current mortgage rates in Philadelphia, PA?

Mortgage rates in Philadelphia change daily and vary based on factors such as loan type, credit profile, down payment, occupancy and property type. Because your actual rate depends on your specific financing scenario, Jennifer can compare available mortgage options from multiple lenders to help you evaluate the right structure for your goals.

How do I qualify for a home loan in Philadelphia?

Qualifying for a home loan in Philadelphia generally depends on your income, employment, credit history, debts, assets, down payment and the loan program you choose. Requirements vary by program, so Jennifer reviews your complete financial picture to help determine which mortgage options may fit your situation and how much home you may be able to afford.

What is the realty transfer tax when buying a home in Philadelphia?

Philadelphia currently has a 4.578% Realty Transfer Tax, consisting of a 3.578% City tax and a 1% Pennsylvania tax. The tax is generally based on the property’s sale price or assessed value, plus any assumed debt. It is commonly split between the buyer and seller, although that split is not legally required. Buyers should account for their expected share when planning for closing costs.

Does Jennifer Chicano offer first-time homebuyer programs in Philadelphia?

Yes! We offer several programs specifically designed for first-time buyers in the area, including options with low down payment requirements and guidance on local grant programs to assist with closing costs.

How long does it take to close on a home in PA?

On average, it takes about 30 to 45 days from an accepted offer to the closing table. As your best mortgage broker in Philadelphia Pennsylvania, we utilize streamlined processing to aim for the fastest, most reliable closings possible.

TAKE THE NEXT STEP

Ready To Take the Next Step Toward Homeownership?

Whether you are buying your first home, moving within the Philadelphia area or exploring your mortgage options, Jennifer Chicano can help you understand your financing and determine the next step based on your goals.