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Philadelphia suburbs · PennsylvaniaFrom Media to Newtown Square: what changes locally, what does not, and how to find out in fifteen minutes what you actually qualify for.
Delaware County, with its county seat in Media, takes in Media, Upper Darby, Springfield, Havertown, Chester, Radnor and Newtown Square. Stellar lends across all of Pennsylvania, and Delaware County files are handled from our Southampton, PA office by a licensed officer you can reach directly.
The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Delaware County. Loans above it are jumbo, which means tighter reserves and different pricing.
Delaware County sits between Philadelphia and Chester County and is one of the densest suburban markets we lend in. Upper Darby, Drexel Hill, Lansdowne, Clifton Heights and the Ridley townships are built almost entirely of rowhomes and twins that remain a realistic first purchase for buyers priced out of the Main Line. Havertown, Springfield, Broomall and Media, the county seat, are single-family neighborhoods with strong school districts, and the county's Main Line townships of Radnor, Haverford and Newtown Square are where loan amounts run past the conforming baseline into jumbo territory.
Delaware County completed a countywide property reassessment in recent years, so the tax figure on an older listing can be stale; we pull the current assessment and millage for the school district on every file rather than relying on the listing sheet. Older attached housing in the eastern boroughs also brings the same FHA appraisal condition questions we see in Philadelphia, and the City of Chester and neighboring boroughs have addresses where renovation financing is the right tool.
Files here are handled from our Southampton head office by a licensed Pennsylvania officer, with title company closings, PHFA assistance for buyers within the agency's limits, and VA financing that is heavily used near the county's military and federal employers. Our Southampton team also serves Delaware County buyers in Spanish, Russian and Ukrainian.
In Pennsylvania, closings are typically handled by a title company. Transfer tax is customarily split between buyer and seller, property taxes are paid to the county, municipality, and school district, and older housing stock can bring lead-paint, knob-and-tube, or well-and-septic questions into the appraisal.
FHA limits are set by HUD county by county, and PHFA income and purchase price caps change periodically. We check the current figures for Delaware County on every file rather than quoting from memory. Official source: PHFA. VA and USDA $0-down loans are available where the borrower and property qualify; USDA eligibility is address-specific, so we check the property on the USDA map before assuming either way.
Yes. Stellar Mortgage Corporation is licensed in Pennsylvania and lends in all 67 counties, including Delaware County. Our head office is in Southampton, Bucks County, and every file is handled by a licensed loan officer with a direct line.
For 2026 the one-unit conforming limit in Delaware County is $832,750, the FHFA baseline. Loans above that are jumbo, which brings tighter reserve and credit requirements. FHA limits are set separately by HUD and are usually lower; we check both for the property address before quoting.
PHFA, the state housing agency, offers first mortgages paired with down payment and closing cost assistance for eligible Pennsylvania buyers, and Stellar is an approved PHFA lender. Income and purchase price limits are set by county and change periodically, so we confirm the current Delaware County figures on your file rather than quoting them here. Some counties and municipalities run their own programs as well; ask your officer what is funded right now.
Once we have your application, credit, and the documents on our checklist, most buyers have a letter within one to two business days. If you have already found a home in Media or anywhere else in Delaware County and are writing an offer, tell us on the form and we prioritize the file.
Conforming limit shown is the 2026 FHFA figure for Delaware County. FHA limits and state agency caps are set by HUD and PHFA and change periodically. Verify on the official source. Not a commitment to lend.
Three quick steps, about a minute. No Social Security number, no pay stubs. A licensed officer from our Southampton office calls you back, usually the same business day.
Ready to see what you qualify for?