Kim Ferraro has spent 27+ years helping families and investors secure the right home financing. Straight answers, real options, and a closing day worth celebrating.
Compare payments, talk to Kim, or apply online.
Use the calculators to see a monthly mortgage payment and what you may afford before you ever fill out a form.
Try the calculator →Grab a free 30 minute call. Bring every question you have. You will leave with a clear picture of your loan options and zero pressure.
Schedule a free call →Begin your secure online application in about 15 minutes. Kim reviews it personally and follows up with next steps.
Apply now →First home, next home, investment property, or a better rate on the one you own. Kim shops the options so you do not have to.
Competitive rates and flexible terms for buyers with solid credit and steady income.
Learn more →Lower down payments and flexible credit requirements. A favorite for first-time buyers.
Learn more →Zero down payment options for veterans, active duty service members, and eligible spouses.
Learn more →Zero down financing for eligible homes in qualifying rural and suburban areas.
Learn more →Financing above conventional limits for higher priced homes, with competitive terms.
Learn more →Financing for a vacation home or second property, with terms that fit how you will use it.
Learn more →Solutions for self-employed borrowers and investors with non-traditional income.
Learn more →Investor loans that qualify using the property’s rental income instead of personal DTI.
Learn more →Buy your next home before your current one sells, without missing your window.
Learn more →That is exactly what the free call is for. Kim will match your situation to the right program.
Ask Kim →
Buying or refinancing a home is one of the biggest financial moves you will ever make. You deserve more than an 800 number and a loan officer who treats you like a file.
Based in Cranberry Township and serving all of Pennsylvania and Connecticut, Kim Ferraro works with you directly from the first conversation to closing day. Her clients come back for their second and third mortgages, and they send their friends and family.
A clear, simple process with no surprises. Here is what working together looks like.
A free 30 minute call to understand your goals, review your numbers, and map out which programs fit your situation.
Complete the secure online application. Kim shops your loan, locks your plan, and arms you with a fast same-day pre-approval.
Kim manages the details and keeps you updated at every milestone, all the way to a smooth closing day. Cake included.
Drag the sliders for an instant estimate of principal and interest. When you are ready for real numbers based on your credit and today's rates, Kim can run them with you on a quick call.
Full calculator with HOA, taxes, and more →“I highly recommend Kim and her company. She also kindly gifted me a cake with a photo of the property I was buying printed on it and gave it to me on closing day. Her communication was top-tier and she clearly did ample research to get me the best possible rate.”
“As a first-time homebuyer, the process can feel overwhelming, but Kim made everything so much easier. She was knowledgeable, patient, and always available to answer my questions... everything went smoothly from start to finish. And a special thank you for the cake—it was such a thoughtful gesture.”
“Very knowledgeable and professional. I have gotten two mortgages through Kim over the years and her attention to detail and warm demeanor make the whole process so easy.”
“Kim was the best! She helped me through the purchase of my new home, I would highly recommend her! She was very knowledgeable and helpful through the whole process!”
“Kim was easy to work with and helpful when I had questions and concerns. She made the painful process painless! Thank you Kim the mortgage pro!!! She also had this adorable cake made for me on closing day with my house on it!! So fantastic!”
“Through my entire home purchasing experience, Kim was our saving grace every step of the way. I could call her when I panicked, when I was worried, when I thought I had the stupidest question; she always answered or called me right back. She was a tremendous help through this entire experience. She’s educated, knowledgeable, patient, passionate, and above all else caring. I would recommend her 10 out of 10 times.”
Committed to giving you all the support and guidance you need.
A conventional loan is a mortgage that is not backed by a government agency like the FHA or VA. It typically offers competitive rates for borrowers with good credit, and down payments can be as low as 3% for qualified buyers.
Your credit report is a record of how you have managed debt over time. Lenders use it, along with your credit score, to determine which loan programs you qualify for and what rate you receive. Kim can review yours with you and point out simple ways to strengthen it before you apply.
PMI is insurance that protects the lender when your down payment is less than 20% on a conventional loan. It adds to your monthly payment, but it also lets you buy sooner with less cash. In many cases it can be removed once you build enough equity.
Refinancing can make sense when rates drop, when your credit improves, when you want to remove PMI, or when you want to tap equity for a renovation or debt consolidation. The right answer depends on your numbers. A quick call with Kim will tell you whether refinancing pays off in your situation.
An appraisal is an independent professional opinion of a home's value. Lenders require one to confirm the home is worth what you are paying. It protects you from overpaying and is a standard step in nearly every purchase and refinance.
Send a message and Kim will get back to you personally. Prefer to talk it through? Grab a spot on her calendar or just call.
Kim will get back to you within one business day.