Great Programs to Get Your Dream Home!

Purchasing a home can be a stressful, but exciting time…but have no fear! Our team 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.

Meet Team Kappler

Lead by Kerri Kappler who enjoys helping clients make their homeownership dreams a reality by understanding what they want to accomplish with their mortgages. She tries to become a friend through the process to help ease the anxiety that arises when making large changes in life. She enjoys what she does and the lasting relationships that are created the homebuying process.

Team Kappler is backed by over 40+ years of experience in the lending industry and was started by Kevin Kappler, Kerri’s father. Since it’s inception Team Kappler has helped thousands of families with their home financing needs and they don’t have plans to stop anytime soon. So whether you are looking to buy a home, you have questions on refinancing or tapping into home equity, you want to remodel your home or you just have some general home financing questions, Team Kappler is waiting to help you! 

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.

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Meet the Team

Greg Pollock

Loan Officer | NMLS: 2619494

After nearly a decade of helping clients succeed in real estate—and a wealth of experience in the corporate world—I’m now able to provide even greater value to my clients and referral partners.

My background as a successful realtor gives me uncommon insight into both sides of the homebuying process, enabling me to offer tailored financing solutions that truly fit the needs of buyers and agents alike.

Mobile: 272.207.8134
Email: gregpollock@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

4.94

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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