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Principal Mortgage Group Principal Mortgage Group
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Your Trusted Mortgage Broker in Lancaster, PA
At Principal Mortgage Group, we revolutionize the home financing experience by prioritizing personalized service and innovative solutions. Our team of dedicated professionals combines energy and creativity to deliver tailored mortgage options that meet the unique needs of each client. With expertise in conventional, FHA, USDA, VA, jumbo, and private money loans, we simplify the lending process through transparent communication and timely execution. Our commitment to listening ensures every interaction adds value, whether you're purchasing a home, refinancing, or seeking investment financing. We specialize in navigating complex loan programs, offering guidance on down payment assistance, credit challenges, and property-specific requirements.

By maintaining relationships with diverse lending institutions, we provide access to competitive rates and flexible terms. Our streamlined approach balances regulatory compliance with client convenience, ensuring a seamless journey from application to closing. We empower clients with educational resources, including mortgage glossaries and loan comparison tools, to foster informed decision-making. With decades of combined experience in residential and investment lending, our team serves as a trusted partner in achieving homeownership goals. Our dedication to ethical practices and customer-centric service has established us as a reliable resource in the mortgage industry.
Services
Purchase Loans Refinance Services Private Money Loans FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans Construction Loans Investment Property Loans
Highlights and features
  • We offer 30+ years combined experience in residential and investment mortgage lending
  • Our team provides personalized loan program comparisons to match individual financial situations
  • We maintain relationships with multiple lending institutions for competitive rate options
  • Our streamlined process reduces closing timelines while maintaining compliance standards
  • We specialize in complex scenarios including credit challenges and unique property types
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Services
Purchase Loans
We provide comprehensive mortgage solutions for homebuyers, offering conventional, FHA, and USDA loan options. Our team guides clients through property selection, pre-approval, and closing processes while explaining financing terms. We help navigate down payment requirements, credit qualifications, and property eligibility criteria to secure optimal loan programs for primary residences and second homes.
Private Money Loans
Our private money lending program serves real estate investors seeking flexible financing for purchase or rehab projects. We offer 100% financing options without appraisal requirements, with streamlined underwriting for time-sensitive transactions. This service includes construction draws and ACH payment processing, ideal for investors needing rapid closings or unconventional property financing.
FHA Loans
We specialize in FHA-insured mortgages requiring as little as 3.5% down payment. Our experts assist borrowers with credit challenges, explaining mortgage insurance requirements and seller contribution limits. We guide clients through FHA appraisal processes, property condition requirements, and income documentation standards to make homeownership accessible for first-time buyers.
VA Loans
We offer 100% financing options for eligible veterans and service members through VA-guaranteed mortgages. Our team explains benefit specifics including funding fees, appraisal requirements, and occupancy rules. We help military clients leverage their service benefits for primary residence purchases while navigating VA loan program guidelines and lender requirements.
Jumbo Loans
Our jumbo loan program provides financing for high-value properties exceeding conventional loan limits. We offer 30-year fixed terms with options for 85% LTV without mortgage insurance. This service caters to borrowers seeking financing for luxury homes or properties in high-cost areas, with specialized underwriting considerations for unique financial profiles.
People
David Wolfe
President & Loan Consultant
David Wolfe leads mortgage strategy with 20+ years of industry experience. He specializes in complex loan structures and maintains lender relationships to secure competitive rates for clients.
Joy Nottoli
Borrower Liaison
Joy Nottoli coordinates client communications with 15 years in mortgage operations. She streamlines documentation processes and ensures timely loan disclosures for a smooth borrower experience.
Jessica Vieland
Loan Consultant / Lender Liaison
Jessica Vieland connects borrowers with appropriate loan programs. Her dual role facilitates direct communication between clients and underwriting teams to resolve processing challenges efficiently.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, USDA, VA, jumbo, portfolio, physician, construction-perm, condo, private money, and adjustable-rate mortgages for primary residences and investment properties.
Can I qualify with a low down payment?
Yes, we offer FHA loans with 3.5% down, USDA loans with zero down for rural properties, and VA loans with no down payment requirements for eligible veterans.
How do you simplify the mortgage process?
We provide personalized guidance, transparent communication, and digital tools to track loan progress. Our team explains complex terms in plain language and proactively addresses potential issues.
What credit score do I need?
Minimum scores vary: 640 for FHA, 600+ for VA, and 680+ for conventional loans. We help clients understand how credit scores impact loan terms and interest rates.
Do you offer investment property financing?
Yes, we provide loans for investment properties with purchase up to 85% LTV and portfolio loan options for non-conforming situations. We also offer private money solutions for rehab projects.
How long does mortgage approval take?
Typical approval timelines range from 30-45 days for conventional loans, 45-60 days for government loans, and 10-15 days for private money loans, depending on documentation completeness.