USDA, VA, FHA, and Conventional Loans Compared: Which Mortgage is Right for West Chester Buyers?
Buying a home in West Chester, PA is an exciting step — whether you’re looking at a historic townhome in the Borough, a suburban single-family in East Goshen, or new construction just outside of town. But choosing the right mortgage program is just as important as choosing the right house. At CM Mortgage Services, Inc.,…
Read MoreHow Much House Can I Afford in Philadelphia?
Buying a home in Philadelphia is an exciting milestone—but before you start touring neighborhoods or scrolling through listings, one of the first questions to answer is: How much house can I really afford? Key Factors That Determine Affordability Your Income Lenders typically follow the 28/36 rule: no more than 28% of your gross monthly income…
Read MoreRental Market Trends in West Chester: Should You Buy to Rent in 2025?
By J.R. Conway | CM Mortgage Services, Inc. | NMLS #147631 If you’re a first-time homebuyer in West Chester, you might be asking yourself: Should I wait… or is now the time to buy a home that I could also rent out down the road? Here’s the good news: The second half of 2025 could…
Read MoreWhat Happens When You Pay Off Your Mortgage in West Chester?
Paying off your mortgage is a major milestone—and whether you’re approaching the final payment or recently paid off your loan, you may be wondering… what happens next? In this article, we’ll walk you through what West Chester homeowners can expect once the mortgage is fully paid, how to handle documentation, and how to protect your…
Read MoreFHA vs. Conventional: What’s Best for You in Chester County?
If you’re buying a home in Chester County, one of the most important questions you’ll face early on is: Should I go with an FHA loan or a Conventional mortgage? The truth is—both are excellent options, but which one is better depends on your credit score, down payment, income, and long-term goals. In this blog,…
Read MoreTop 3 West Chester Neighborhoods for Real Estate Investment in 2025
Thinking about investing in real estate in West Chester, Pennsylvania? Whether you’re a first-time investor or looking to expand your portfolio, choosing the right neighborhood is one of the most important decisions you’ll make. West Chester offers a unique mix of historic charm, high rental demand, and strong long-term appreciation potential. In this guide, we’ll…
Read MoreUnderstanding Your Mortgage Escrow Account in Pennsylvania
If you’re buying or already own a home in Pennsylvania, you’ve likely heard the word “escrow” during the mortgage process. But what exactly is a mortgage escrow account, and how does it affect your monthly payments? In this article, we’ll break it down so you can feel confident and informed about how escrow works—especially if…
Read MoreFirst-Time Buyer’s Guide to Home Loans in West Chester, PA
Are you thinking about buying your first home in West Chester, Pennsylvania? Congratulations—this is a huge milestone! But if you’re feeling a little overwhelmed by the mortgage process, you’re not alone. Many first-time buyers struggle to understand their loan options, especially in today’s competitive housing market. This guide from J.R. Conway, Senior Loan Officer at…
Read MoreWest Chester Real Estate Market Update: What Buyers Should Know in 2025
Are you thinking about buying a home in West Chester, PA in 2025? You’re not alone. The local real estate market is experiencing significant changes, and it’s important to understand what’s happening—especially if you’re a first-time buyer or looking to invest. At CM Mortgage Services, Inc., we’re committed to helping families navigate the homebuying process…
Read MoreHow 2025 Area Median Income Changes Impact Homebuyers in Chester, Montgomery, Delaware, Bucks & Philadelphia Counties
If you’re considering buying a home in Chester, Delaware, Montgomery, Bucks, or Philadelphia County, the 2025 Area Median Income (AMI) updates may significantly affect your eligibility for mortgages, down-payment assistance, and local housing programs. In this guide, J.R. Conway of CM Mortgage Services, Inc. breaks down what the AMI changes mean — and how to…
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