Great Programs to Get Your Dream Home!

Purchasing a home can be a stressful, but exciting time…but have no fear! My team and I will be there beside you every step of the way!

First-Time Homebuyer Qualifications and Benefits

Are you wondering if you qualify for first-time homebuyer programs? The term might be misleading. You don’t actually have to be purchasing your first home to be considered a first-time homebuyer. Confused? Don’t be! First-time homebuyer benefits can offer significant financial savings and help make owning your own home a reality. Don’t let the name hold you back from achieving the American dream of homeownership.

Affordable Loan Programs

  • HomeReady: As little as 3% down
  • HomePossible: As little as 3% down
  • VA and USDA: As little as 0% down
  • FHA: As little as 3.5% down
  • Pennsylvania Housing Finance Agency: As little as $1,000 down. Primary and down payment assistance loans available.
  • And More…

Let’s explore how you could qualify for these home loan programs.

APPROVED offers work harder in low inventory markets.

A pre-approval from Summit Mortgage is a great strategy to get your offer to the top of the list. Our company is respected and recognized by real estate agents working hard to get their clients to closing.

Kevin Kappler
Eastern Regional Manager
NMLS #126744
E: kkappler@summit-mortgage.com
O: 570.253.7340
C: 570.677.4743

Meet Kevin Kappler, Eastern Regional Manager

I’ve spent 38+ years in the Lending industry and held positions ranging from entry-level to Senior Management positions. I joined Summit Mortgage in April of 2007 as a Branch Manager after stepping back from a senior management position at Countrywide Home Loans which allowed me to reengage the joy of working directly with consumers and help them realize the benefits of home ownership. My second joy is training and coaching those new to our industry and supporting those looking to grow their skills to achieve more. Reflecting on my 38 years in the Industry and given my background in both Operations and Origination, I can say with confidence that Summit provides the operational support, underwriting consistency, and competitive pricing necessary to enable long lasting success in our industry. That consistency is due in part from the stability found in a privately owned, family run company that opened its doors in 1992 and navigated a myriad of market changes while prospering through it all. To be successful in our industry, it helps to surround yourself with like-minded people and that’s been the culture at Summit during my tenure.  In my free time, I enjoy racing, boating, hunting, fishing, snowmobiling, and motorcycles. Anything outdoors!

How can our Seller's Choice guarantee AMPLIFY your offer?

Make an offer with confidence! For qualifying borrowers, if your loan doesn’t close, we’ll purchase the home in cash or pay the seller $10,000 out of our own pocket. 

  • Let your Real Estate Agent know you’re committed to success.
  • Feel confident you’re FULLY approved.
  • Make sure your offer is at the top of the pile.
  • Instill confidence in the seller that your offer is SOLID.
  • Minimize anxiety through the homebuying process.

Some limitations may apply.

I'm excited to meet you.

By submitting this form, you agree that Summit Mortgage may call or email you.

Meet the Team

Kerri Kappler

Branch Manager | NMLS: 798909

Hi, I’m Kerri. I enjoy helping clients make their homeownership dreams a reality by understanding what they want to accomplish with their mortgages. I try to become a friend through the process to help ease the anxiety that arises when making large changes in life. I enjoy what I do and the lasting relationships that are created.

Office: 570.352.8662
Mobile: 570.604.3027
Email: klkappler@summit-mortgage.com

Jackie Gardner

Loan Officer | NMLS: 1369210

I enjoy helping clients make their homeownership dreams a reality. Navigating the mortgage landscape can be challenging, and it’s crucial to have a knowledgeable and dedicated loan officer by your side. I’m committed to understanding your unique needs and goals is my top priority. Whether you’re a first-time homebuyer, moving up, or exploring investment properties, I’m here to present you with a range of financing options. I specialize in a variety of loan programs, and my top priority is ensuring you have the best fit for your situation. Reach out today, and let’s take the first step towards your new home!

Office: 570.253.7340
Mobile: 570.647.9764
Email: jgardner@summit-mortgage.com

EXPERIENCE.COM CUSTOMER RATING

4.84

Mark Sandberg Experience.com Star Rating_4.82
"Fast, patient, polite, knowledgeable, experienced service… there to help every step of the way. Absolutely incredible experience. Looking forward to working with Mr. Kappler again."

David H.
★★★★★
"Kevin and Jessie were outstanding in every way. They got the closing done in about 3 weeks without the slightest delay or inconvenience. I can’t say enough positive things. I know that the real estate team was also impressed."

Danielle K.
★★★★★
"The knowledge Kevin and his office have, as well as how fast they are at communicating and getting things done; I can honestly say that I’m still impressed."

Harold C.
★★★★★

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