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(484) 626-1616
Tuskes Homes works with MCT Financial as our preferred mortgage lender for buyers purchasing new construction homes in the Lehigh Valley and Northeastern Pennsylvania. MCT Financial is a Pennsylvania licensed mortgage lender and a division of Conquest Mortgage, LLC (NMLS# 1121654), licensed by the Pennsylvania Department of Banking and Securities. Loan officer Kyle Stolte (NMLS# 1019240) works directly with Tuskes buyers from application through settlement.
Financing a home that is still under construction is different from financing a resale. Construction timelines shift, appraisals are ordered on plans rather than a finished house, and rate lock windows have to stretch to match a build schedule. MCT Financial handles new construction financing in Northampton, Lehigh, Monroe, and Luzerne counties regularly, and works from the same build calendar our team does.
Are Tuskes Homes Buyers required to use MCT Financial?
No. You are free to choose any lender. MCT Financial is our preferred lender because of their familiarity with our build process and local market.
What areas does MCT Financial serve?
MCT Financial is licensed in Pennsylvania, New Jersey, Maryland, and Florida, and serves Tuskes Homes communities across the Lehigh Valley and Northeastern Pennsylvania, including Forks Township, Williams Township, Mountain Top, and the Parkland School District.
When should I get pre-approved?
Before you select a homesite. A pre-approval sets your budget and tells your New Home Specialist which communities and floor plans fit it.
Can I get financing before my home is complete?
Yes. Loans on Tuskes Homes are typically written as end loans on homes we build and finance ourselves, so you are not managing a construction draw schedule. Kyle can confirm what applies to your community.
Kyle Stolte | MCT Financial
443-375-9487
kstolte@conquestlends.com
*Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator does not have the ability to pre-qualify you for any loan program. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only.
A conventional fixed-rate mortgage guarantees a fixed interest rate and payment over the life of the loan with terms ranging in average from 10 to 30 years, in addition custom loan terms are available. The standard down payment option is 20% however there are programs as low as 3-5%
FHA Loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). This program gives flexibility for lower down payments & minimum credit scores are lower than required by conventional mortgages. VA Loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). These often require no down payment and have lower closing costs, which can help keep your savings secure. USDA Loan by the United States Department of Agriculture (USDA) gives borrowers the opportunity to own a home outside of the city limits. There are several benefits of a USDA loan, including flexible credit underwriting requirements and no down payment required. Borrowers who qualify for a USDA home loan have the flexibility to pay nothing out of pocket for a down payment.
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2025, the limit is $802,650 for most of the US. Rates may be a bit higher on jumbo loans because lenders generally have a higher risk. One of the biggest benefits is that financing options are available up to $3,000,000. This may provide convenience to many borrowers.
Refinancing your loan simply means renegotiating an existing mortgage. Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook.
Disclaimer from MCT: This information is provided exclusively to real estate professionals and is not intended for public use. This is not an advertisement to extend consumer credit. All loans are subject to credit and property approval. Programs, rates, term, and conditions are subject to change without notice. Other Restrictions apply. Licensed by the PA Department of Banking and/or Division of Consumer Finance in FL and/or NJ Department of Banking and Insurance. Conquest Mortgage, LLC, NMLS# 1121654, (dba Bright Financial nmls# 2490247, Legacy Mortgage Partners nmls#2490347, MCT Financial nmls# 2462920, Nittany Mortgage nmls# 2471245, Premier Mortgage Partners nmls# 2490939) Phone number: 484-484-7000 www.mct-financial.com