Talk to Our Team About Your Pennsylvania Move
Program and regulatory figures verified September 25, 2026. Details change; confirm your scenario with us.
Tell us where both properties sit and what you are leaving behind. That is enough to start.
What helps us answer quickly
- The municipality each property sits in, since the local realty transfer tax rate varies and you will meet it on both deeds.
- The departing home's full payment, including taxes, insurance and any association dues.
- Whether the departing home is listed, under contract, or neither.
- Whether you would consider renting it out, since that structure records one deed instead of two.
What happens next
Our team reviews it and reaches out shortly. We will tell you which of the three structures fits, how many taxable transfers each would produce, what the departing home does to your ratio, and what reserves to expect.
Before you call, the structures page and the Pennsylvania guide cover most of the ground. The transfer tax framing is on the transfer tax page.
Frequently asked questions
What information should I have ready?
The municipality each property sits in, the departing home's full payment including taxes and insurance, whether it is listed, under contract or neither, and whether renting it out is something you would consider.
How soon will someone get back to me?
Our team reviews every Pennsylvania scenario and reaches out shortly, usually with a read on which structure fits, how many taxable transfers it produces, and what reserves to expect.
Do you lend across all of Pennsylvania?
Yes, statewide across all 67 counties. The conforming limit is $832,750 in 66 of them and $1,209,750 in Pike County, so the municipality matters more for the local transfer tax rate than for loan size.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Pennsylvania realty transfer tax is collected by county Recorders of Deeds and local rates vary by municipality and school district; your closing agent, your CPA or a Pennsylvania attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.