About Clinton County, PA

Looking to buy a home in Clinton County, Pennsylvania?

You might want to make a quick check to see if you and the property are eligible for a Pennsylvania USDA Mortgage, also known as a Pennsylvania 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.

Benefits of the USDA Mortgage Program True 100% no money down financing. The ability to finance in your closing costs (if the appraised value supports the loan amt) The seller may contribute up to 6% of the purchase price towards your closing costs Low fixed interest rates. More flexible credit qualifying guidelines with minimum 620 credit score Often available for properties in towns and suburbs too

What areas of Clinton County are eligible for USDA Financing?

The USDA has zoned ALL of Clinton County as eligible for their USDA Rural Development Mortgage Program. Even the more populated areas of Clinton County, including Loch Haven, Mill Hall and Renovo, are included in this USDA eligible area.

USDA Eligible Areas in Clinton County include...

• Avis
• Bald Eagle
• Beech Creek
• Bitumen
• Booneville
• Caldwell
• Castanea
• Cedar Springs
• Clintondale
• Cooks Run
• Crestmont
• Drocton
• Drury Run
• Dunnstown
• East Keating
• East Renovo
• Eastville
• Farrandsville
• Farwell
• Flemington
• Gleasonton
• Greenburr
• Hammersley Fork
• Haneyville
• Hyner
• Keating
• Lamar
• Leidy
• Lock Haven
• Logan Mills
• Loganton
• Mackeyville
• Mc Elhattan
• Mill Hall
• North Bend
• Noyes
• Parvin
• Renovo
• Rosecrans
• Rote
• Sagamore Hill
• Salona
• Shintown
• South Renovo
• Sunset Pines
• Swissdale
• Tylersville
• Westport
• West Renovo
• Woolrich
• Youngdale

What are the USDA Mortgage Income Limits for Clinton County?

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...

USDA Credit Requirements

For buyers looking to purchase a home in Clinton County Pennsylvania, the USDA Rural Development Mortgage is definitely worth a look. Feel free to contact me with any further questions about the program.

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Lock Haven, Pennsylvania

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

• 16 Years of Renovation Mortgage Finance
• Communication & Clarity on Process, Costs and Expectations
• Experience looking out for your best interests throughout the entire process
  
• We check your renovation numbers to ensure you are NOT being overcharged!
• Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Check Out our list of Satisfied Customers and what they have to say about Brent Kluge & Group.


The FHA 203K mortgage requires action early in the process to set the stage for proper transaction flow...


A phone call for a discussion about your project costs nothing... but you could save thousands.

City Government is A BUZZ when regulating wildlife... or maybe the word is CLUELESS. Read the City of Lock Haven PA sign very closely.

Not only do the Czars officials of the City of Lock Haven believe they can prevent BEE's from buzzing around the forests of their water shed, they have clearly posted a discriminatory policy that may cause them great discomfort in the honeycombed halls of the county courthouse. During my visit to the area I observed flies, knats, and beautiful butterflies floating among the flora in close proximity to the precious mountain water.

Imagine if the queen bee get's wind of the floating butterfly, she will sting the City of Lock Haven with a discrimination law suit certain to build the queen bee the fanciest bee hive this side of the Mississippi, thus raising the taxes of the local human poplulation in order to pay for said jury award.

What could the politicians in the city of Lock Haven PA have been thinking? Someone had to design this sign, approve it, pay for it, have it printed and finally installed. Not one of these educated people caught the bee prohibition.

I wonder if I get a referral fee if I refer a good attorney to the local beehive?

Top Gun Tim Rogers of Davis Real Estate hosts the weekly real estate show on Coaches Corner Radio every Saturday morning from 9:00 a.m. to 10:00 a.m.

To learn more about real estate in Clinton County or to ask a real estate or related question call the Coaches Corner hotline at 814-272-9700 to talk to Tim.

Tune in every saturday morning on 970 AM WBLF radio.