Business Details
Your Trusted Mortgage Partner in Pittsburgh
Veritas Mortgage Services has been dedicated to providing exceptional mortgage brokerage services to homebuyers for over 15 years. Our team prioritizes personalized service, leveraging deep industry expertise and strong relationships with lending partners to offer tailored mortgage solutions. We specialize in navigating complex financial scenarios, helping clients secure optimal loan terms through FHA, VA, USDA, conventional, and jumbo loan programs.Recognized with the Five Star Mortgage Professional Award annually since 2011, we maintain a client-centric approach that emphasizes transparency, education, and long-term relationships. Our commitment to simplifying the mortgage process has earned us a reputation as a trusted advisor in the Pittsburgh market, serving first-time buyers, investors, and homeowners at every stage of their journey.
Services
FHA Loans
VA Loans
USDA Loans
Conventional Loans
Jumbo Loans
Adjustable Rate Mortgages
15-Year Fixed Mortgages
30-Year Fixed Mortgages
Highlights and features
- Award-winning service since 2011 with 15+ years of mortgage expertise
- Personalized mortgage solutions for unique financial situations
- Extensive network of lending partners for competitive rate comparisons
- Specialized guidance for first-time buyers and complex credit scenarios
- Proven track record of 28-day average closing timelines
Associations and certifications
- Five Star Mortgage Professional Award
What people say
Exceptional service
Knowledgeable guidance
Always available
Smooth closing process
Patient educator
Services
FHA Loans
FHA loans provide accessible homeownership opportunities with 3.5% down payments and flexible credit requirements. Ideal for first-time buyers, these government-insured mortgages allow gift funds for down payments and seller contributions toward closing costs. Our team specializes in guiding clients through FHA loan qualifications and benefits.
VA Loans
VA loans offer zero-down payment options and no private mortgage insurance for eligible veterans and military members. These Department of Veterans Affairs-insured loans enable financing up to 100% of home value. We provide expert navigation of VA loan entitlements and documentation requirements for seamless transactions.
Conventional Loans
Conventional loans finance up to 97% of home value with competitive rates for borrowers meeting Fannie Mae/Freddie Mac guidelines. Our specialists help clients understand conforming loan limits, PMI requirements, and fixed-rate term options from 8 to 30 years for primary residences and investment properties.
Jumbo Loans
Jumbo loans exceed conventional loan limits up to $726,200, financing high-value properties with 10% down payment options. We assist clients in securing premium financing for luxury homes and investment properties, explaining unique underwriting criteria and interest rate considerations for amounts above standard limits.
Refinance Mortgages
Refinance solutions help homeowners reduce monthly payments, consolidate debt, or access home equity. Our advisors analyze break-even points and interest rate savings to determine optimal refinancing timing, guiding clients through rate-and-term and cash-out refinance options.
People
Tony Harden
Mortgage Professional
Tony Harden, recipient of the Five Star Mortgage Professional Award since 2011, specializes in personalized mortgage solutions. With extensive industry knowledge, he guides clients through complex loan processes, maintaining 24/7 availability and a proven track record of client satisfaction in the Pittsburgh market.
Questions
Why should I use a mortgage broker instead of a bank?
Mortgage brokers access multiple lenders' products, offering competitive rates and tailored solutions. Unlike banks limited to their own products, we shop multiple lenders to find optimal loan terms matching your financial situation.
Can I qualify with bad credit?
Yes, we work with clients to secure mortgages despite credit challenges. Our team explores FHA loan options and credit improvement strategies to help clients achieve homeownership goals through specialized loan programs.
How much down payment is required?
Down payments start at 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans offer zero-down options for eligible applicants, with specific requirements varying by loan program and borrower qualifications.
What's the pre-approval process timeline?
Pre-approval typically takes 1-3 days depending on financial complexity. We prioritize quick turnaround times, often providing initial assessments within hours to help clients begin house hunting confidently.
Do you finance second homes?
Yes, we offer second home financing up to 90% loan-to-value ratios in Pennsylvania. Our specialists explain investment property requirements and help clients structure financing for vacation homes or rental properties.
How does mortgage insurance work?
Private mortgage insurance (PMI) protects lenders for conventional loans with less than 20% down. FHA loans require mortgage insurance premiums regardless of down payment amount. We explain costs and duration for each loan type.
