Graham Peterson Mortgage - NMLS# 1170721

Graham Peterson Mortgage - NMLS# 1170721 Helping home buyers get the best financing for their individual needs when buying a new home. Equal Housing Lender.

I am a licensed mortgage originator, NMLS # 1170721, and am licensed to originate mortgage loans in the following state(s): PA, FL, NJ & DE. To learn more, visit my website at https://grahampeterson.com

Licensed by the PA Dept of Banking & Securities, Licensed by the NJ Dept of Banking & Insurance, Licensed by the DE State Bank Commissioner, Licensed by the FL Office of Financial Regulation

Mortgage America, Inc., NMLS #128501

Licensed by the PA Dept of Banking & Securities, Licensed by the NJ Dept of Banking & Insurance, Licensed by the DE State Bank Commissioner, Licensed by the FL Office of Financial Regulation, Licensed by the SC Board of Financial Institutions

My mission is simple: To provide the easiest, most streamlined mortgage experience possible for each of our clients and referral partners. I will educate every client on all available options, communicate effectively to all parties throughout a transaction and close on time, every time. I believe that getting your home loan should be stress-free and I promise to treat you like a valued friend. After all, that’s the way I would want to be treated.

09/22/2026

FHA Loans During Peak Buying Season: How to Stay Competitive
As someone who’s spent 25 years guiding buyers through every step of the mortgage process, I know just how important it is to stay competitive—especially during peak buying season. FHA loans remain a favorite for many first-time buyers, but in a fast-moving market, preparation is key. Getting pre-approved, understanding your budget, and working on your credit are essential first steps. It’s also wise to focus your search on FHA-approved homes and to partner with seasoned professionals who know the ins and outs of these loans. Acting quickly, making strong offers, and staying both flexible and realistic can help you navigate the competition. With constant industry changes and new regulations, having an experienced advocate in your corner can make all the difference on your path to homeownership.

09/21/2026

Start With a Plan, Not a Listing
In my 25+ years guiding families through the mortgage process, I've seen firsthand that the most successful homebuyers always begin with a solid plan—not just a list of homes. Take time to review your income, debts, and bills, and establish a monthly payment you’re truly comfortable with. That way, homeownership feels manageable, instead of stressful, month after month. Checking your credit early and addressing any errors or high balances can make a real difference—not only in the type of loan you qualify for, but also in the long-term savings you’ll enjoy. Saving for the down payment is important, but don’t forget about closing costs, moving expenses, and those first repairs—being prepared here can make your transition much smoother. Getting pre-approved before you set foot in a home sharpens your search and lets sellers know you’re serious, giving your offer real weight in a competitive market. Finally, teaming up with an experienced buyer’s agent who knows your local market can help you spot red flags and keep you steady through the closing process. My experience has taught me that taking these steps up front can turn what feels overwhelming into an exciting new chapter.

Smart steps to buying your first home this yearHaving spent over 25 years guiding individuals and families through the m...
09/20/2026

Smart steps to buying your first home this year
Having spent over 25 years guiding individuals and families through the mortgage process, I know that buying your first home can feel overwhelming. The key is to break it down into manageable steps. Start by setting a budget that works for your situation and focus on improving your credit—these early moves can make a big difference. Remember to save for the full range of costs, not just your down payment. Getting pre-approved for a mortgage helps clarify your options and strengthens your position when you’re ready to make an offer. Working with a trusted real estate agent and thoroughly inspecting each home are crucial steps I always recommend. Finally, approach offers and closing with patience—homeownership is a journey, and each stage brings you closer to your goal. I’m committed to transparency and service, and I’ve seen firsthand how these principles support a smooth path to your new home.


https://www.roomvu.com/agent-news/graham-peterson/1954461-Smart-steps-to-buying-your-first-home-this-year

A Complete Checklist of Documents Needed for a MortgageAfter guiding individuals and families through the mortgage proce...
09/19/2026

A Complete Checklist of Documents Needed for a Mortgage
After guiding individuals and families through the mortgage process for more than 25 years, I know just how important it is to have all the right documents ready when applying for a home loan. You’ll need to gather proof of identity, income, assets, debts, and credit history—think ID, recent pay stubs, tax returns, and bank statements. If you’re self-employed or have unique circumstances, there may be a few extra forms to provide. Drawing on my decades of experience handling every detail from origination through underwriting, I always encourage my clients to stay organized and transparent from the start. It makes the journey smoother and helps ensure nothing stands between you and your new home.


https://www.roomvu.com/agent-news/graham-peterson/1954425-A-Complete-Checklist-of-Documents-Needed-for-a-Mortgage

Why a mortgage rate lock makes sense this SeptemberWith over 25 years in mortgage lending, I've seen firsthand how quick...
09/18/2026

Why a mortgage rate lock makes sense this September
With over 25 years in mortgage lending, I've seen firsthand how quickly rates can shift—and right now, a smart move is to consider a mortgage rate lock. The 30-year mortgage rate has climbed to 6.87%, more than 1% higher than just six months ago. Given ongoing discussions at the Federal Reserve and the likelihood of further lender adjustments, locking in your rate could be a practical way to safeguard your home financing plans from additional increases. Having guided borrowers through plenty of changing markets, I know how important it is to make decisions that provide stability and peace of mind as you move toward homeownership.


https://www.roomvu.com/agent-news/graham-peterson/1964395-Why-a-mortgage-rate-lock-makes-sense-this-September

09/17/2026

United States: How USDA Loans Work
USDA loans are a unique mortgage option I've seen make a real difference for buyers looking in rural and certain suburban areas across the U.S. With these government-backed loans, eligible borrowers can often finance 100% of a home’s price—meaning no down payment, which is a game-changer for many with limited upfront savings. Private lenders review your income, credit, and debts, but the government stands behind about 90% of the loan, making approval more accessible if your finances are steady. There are a few paths available: lender-issued guaranteed loans, direct loans from the government, and even separate repair assistance. Eligibility comes down to location, household income, residency status, finances, and owner occupancy. It’s worth noting that while you can skip the down payment, you’ll still need to budget for closing costs, taxes, insurance, and guarantee fees, and these loans can’t be used for vacation or investment properties. For buyers in smaller communities or suburbs with stable income but not a lot set aside, USDA loans can truly open doors. Before you start, be sure to check if your area qualifies and carefully review the income criteria. Over my 25 years in this business, I’ve guided many borrowers through the process and know how important it is to compare your lender options and understand all the details before making a decision.

09/16/2026

Americans: When Refinancing Can Pay Off
Over my 25 years guiding clients through the mortgage process, one question I hear often is: when does refinancing really make sense? If you secured your home loan with a rate anywhere from the high-6% to low-8% range, there could be real value in exploring a refinance—especially if it results in a lower rate and monthly payment. My experience tells me that the real key is transparency: always compare at least three lenders, look closely at APRs (not just rates), and make sure you know exactly how fees and points factor into the bottom line. Taking the time to strengthen your credit profile before applying can also open the door to better terms. Having seen every side of this business, I know a careful, informed approach is the best way to make refinancing work for you.

09/15/2026

What's a DSCR Loan and Should You Get One?
Over my 25 years helping clients navigate the mortgage landscape, I’ve seen a range of options come and go, but DSCR loans have definitely gained attention for financing rent-ready income properties. With a 20% down payment, a Debt Service Coverage Ratio (DSCR) of about 1.25 or higher, and adequate reserves, these loans can offer a more streamlined approval process and faster closings. The trade-off? You’ll typically encounter higher interest rates and prepayment penalties, so it’s important to weigh these factors. There are alternatives out there, and every investor’s situation is unique. It’s always about finding the right fit for your goals and comfort level with risk. My focus has always been on transparency and making sure borrowers understand all sides of the mortgage equation—DSCR loans included.

Address

210 Penns Trail, Suite 100
Newtown, PA
18940

Telephone

+12154850745

Website

Alerts

Be the first to know and let us send you an email when Graham Peterson Mortgage - NMLS# 1170721 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Graham Peterson Mortgage - NMLS# 1170721:

Shortcuts

Share