Business Details
21 Years
experience
Your Trusted Mortgage Partner in Lancaster, PA
LMC Home Loans has been serving clients in Central Pennsylvania for over two decades, combining deep local market knowledge with extensive industry expertise. Our team of mortgage professionals, who average more than 18 years of experience each, works closely with clients to identify the most suitable home loan solutions tailored to their unique financial situations. As both a mortgage lender and broker, we maintain relationships with hundreds of lending institutions, providing access to a wide range of conventional, investment property, vacation home, and new construction mortgage options.Our commitment to personalized service ensures clients receive clear explanations of their choices while benefiting from our comprehensive understanding of regional real estate dynamics. We prioritize transparency throughout the mortgage process, offering customized rate quotes and ongoing support from application through closing.
Services
Conventional Mortgages
New Construction Loans
Refinancing Services
Investment Property Loans
Vacation Home Mortgages
Details
- Year established: 2005
Highlights and features
- We offer 20+ years of combined mortgage industry experience with personalized service.
- Our team maintains relationships with hundreds of lenders to find optimal loan options.
- We provide localized expertise in Central Pennsylvania's real estate market.
- Our mortgage experts respond within one business day for urgent client needs.
- We deliver transparent guidance through every stage of the mortgage process.
Associations and certifications
- NMLS (National Mortgage Licensing System)
Services
Conventional Mortgages
Conventional mortgages provide financing for primary residences with competitive rates and flexible terms. Our experts guide clients through loan selection, application, and closing processes while leveraging relationships with multiple lenders to secure favorable conditions. Ideal for borrowers seeking straightforward home purchase financing without government-backed programs.
New Construction Loans
Specialized financing solutions for custom home construction projects. Our team explains unique requirements, coordinates with builders, and transitions loans to permanent mortgages upon completion. Designed for clients building their dream homes in Central Pennsylvania's evolving real estate market.
Refinancing Services
Refinancing options help lower monthly payments, adjust loan terms, or access home equity. We analyze current mortgages, market conditions, and client goals to determine optimal refinancing strategies while maintaining relationships with hundreds of lenders to find competitive rates.
Investment Property Loans
Financing solutions for income-generating properties with tailored underwriting criteria. Our specialists explain unique requirements for rental properties, help calculate potential returns, and structure loans that align with investors' financial objectives across Central Pennsylvania's rental markets.
Vacation Home Mortgages
Specialized financing for secondary residences with competitive terms. Our advisors explain down payment requirements, interest rate considerations, and occupancy rules while helping clients navigate the unique aspects of purchasing vacation properties in desirable Pennsylvania locations.
People
Vic Kicera
Vice President
NMLS# 649807 with extensive mortgage industry experience, providing personalized loan solutions while maintaining strong lender relationships to benefit clients.
Paul Fazzini
President
NMLS# 649807 leading mortgage operations with deep market knowledge, ensuring clients receive tailored financing options and exceptional service.
Stacy Ohrel
Vice President of Business Development
NMLS# 360371 connecting clients with optimal mortgage solutions through 20+ years of industry experience and personalized advisory services.
Dee Shoff
Vice President of Business Development
NMLS# 359847 offering specialized mortgage guidance with a focus on client education and transparent communication throughout the loan process.
Matt Zoll
Vice President of Business Development
NMLS# 649872 leveraging extensive mortgage expertise to help clients navigate complex financing decisions with confidence and clarity.
Questions
What mortgage products does Lancaster Mortgage Company offer?
We provide conventional mortgages, new construction loans, refinancing options, investment property financing, and vacation home mortgages tailored to individual needs.
How does LMC differ from traditional lenders?
As a mortgage broker with relationships across hundreds of lenders, we offer broader options and personalized comparisons to find your optimal loan solution.
What areas does LMC serve?
We specialize in Central Pennsylvania markets including Lancaster, York, and Union County with localized expertise in each community.
How quickly can I get mortgage assistance?
Submit our online application and a mortgage expert will contact you within one business day to begin discussing your specific needs.
Can I get pre-approved for a mortgage?
Yes, we offer pre-approval consultations to help you understand your budget and strengthen your position when making home offers.
What if I have unique financing needs?
Our specialists handle complex scenarios including investment properties, new construction, and specialized refinancing programs like HARP.