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Looking to buy a home in Lackawanna County, Pennsylvania?
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You might want to make a quick check to see if you and the property are eligible for a USDA Mortgage, also known as a USDA Rural Development Loan. Here's Why... USDA home loans offer a few benefits that other mortgage programs cannot match: including no down payment and financed closing cost. If the home appraisal allows, the closing costs can also be wrapped into the mortgage resulting in no money needed at the closing table. USDA is the only mortgage program that allows for all closing costs to be financed into the loan amount on a home purchase. Interest rates for USDA mortgages are comparable and often lower than the low fixed rates of Conventional, FHA and VA financing. The USDA Mortgage program does have restrictions when it comes to location and income, so a quick check on this key qualifying criteria should be done first. Even if you do not believe the property you are looking to purchase is considered rural, it might be worth a quick property eligibility check. It is often surprising how many properties are actually USDA Eligible even though they are considered to be in a town or suburban area.
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Benefits of the USDA Mortgage Program
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What areas of Lackawanna County are eligible for USDA Financing?
The areas in Lackawanna County that are not eligible for USDA financing can mainly be found in the highly populated region from Scranton through Carbondale on the Interstate 81 and Route 6 corridors. Large sections of the western and eastern portions of Lackawanna County are USDA eligible.
USDA Eligible Areas in Lackawanna County
As always, if you want to find out if a specific property is eligible for a USDA Mortgage in Lackawanna County, simply type in the address on the USDA Eligibility Map below....
What are the USDA Mortgage Income Limits for Lackawanna County, Pennsylvania?
Household Size: 1-4 Family Members 5 or more Family Members
Maximum Adjusted Income $74,050 $97,750
If at first glance, it appears your household income exceeds the above limits, it is worth checking the USDA Income Calculator on the USDA website (link below). The USDA allows for several deductions which may allow your Household Income to fit within their Maximum Adjusted Income Guidelines.
USDA Income Eligibility Worksheet
Ok, the Property is in a USDA Eligible Area and your Household Income is within the USDA Income Limits, now what?
Like all mortgages, USDA Mortgages do require an applicant to qualify based on recent credit history. USDA credit requirements are some of the most flexible of any mortgage program available. More detailed information about USDA Mortgage Credit Requirements can be found with the link below...
For buyers looking to purchase a home in Lackawanna County, Pennsylvania, the USDA Rural Development Mortgage is definitely worth a look. Feel free to contact me with any further questions about the program.
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Thornhurst PA is a big part of the Pocono Mountains, and it is very secluded in an almost Fairytale like setting! It is the Perfect Place for all of the Nature Lovers because it provides a number of Hiking Trails and much Wildlife including Whitetail Deer, Chipmunks, Groundhogs, Foxes, Owls, Turtles, Black Bear, Wild Turkey, Woodpeckers, and so much more! It is also the most Exclusive Place in almost the entire Pocono Mountain area for Hunters. Thornhurst is basically a Small Forest in the Mountains! It is Completely Surrounded by PA State Gamelands. The Lackawanna State Forest Engulfs this tight knit Community bringing you the Perfect Peaceful Serenity that the Pocono Mountains has to offer. Thornhurst Country Club Estates is also one of the many Amenity Filled Communities including a Swimming Pool, Basketball Courts, Tennis Courts, Clubhouse, and a 9 Hole Golf Course.
Ski Resort Housing is not far from Thornhurst! Only 30 minutes away, you will find the Legendary Jack Frost Mountain and Big Boulder Ski Resort! Thornhurst is great in location being only 30 minutes from the Best Ski Resorts in the Poconos, and the other way you can find Mohegan Sun Arena, Mohegan Sun Casino, and The Woodlands Night Club.


CLICK HERE for your Pocono Mountain MLS Search for FREE!!!!!!!!!!
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Sometimes I'm in awe or utterly amazed when I read quotes from our forefathers or historical figures I admire.
"Do you realize the responsibility I carry? I'm the only person standing between Richard Nixon and the White House."
John F. Kennedy
"Let every nation know, whether it wishes us well or ill, that we shall pay any price, bear any burden, meet any hardship, support any friend, oppose any foe to assure the survival and the success of liberty."
John F. Kennedy
I'm not always the most articulate person in the world. I've been trying to say this as we kick around Cain, Romney, Perry and the rest. Perhaps JFK saw our future much clearer then we realize.

"Let us not seek the Republican answer or the Democratic answer, but the right answer.
Let us not seek to fix the blame for the past. Let us accept our own responsibility for the future."
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After reading these old guys in wigs, one must ask if they possessed a crystal ball?
"I Can See Clearly Now" must have been a pop standard in the 1700's
"We must not let our rulers load us with perpetual debt. We must make our selection between economy and liberty or profusion and servitude.
If we run into such debts as that we must be taxed in our meat in our drink, in our necessities and comforts, in our labors and in our amusements, for our callings and our creeds...our people.. must come to labor sixteen hours in the twenty-four, give earnings of fifteen of these to the government for their debts and
daily expenses; and the sixteenth being insufficient to afford us bread, we must live..
We have not time to think, no means of calling the mis-managers to account, but be glad to obtain subsistence by hiring ourselves to rivet their chains on the necks of our fellow suffers.
Our landholders, too...retaining indeed the title and stewardship of estates called theirs, but held really in trust for the treasury, must...be contented with penury, obscurity and exile.. private fortunes are destroyed by public as well as by private extravagance.
This is the tendency of all human governments.
A departure from principle becomes a precedent for a second; that second for a third; and so on, till the bulk of society is reduced to mere automatons of misery, to have no sensibilities left but for sinning and suffering... And the fore horse of this frightful team is public debt. Taxation follows that, and in its train wretchedness and oppression." Thomas Jefferson
How could seemingly ordinary men commit to writing over 200 years ago, that which we see today? It would seem the country got stupider the older it became.
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