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CM Mortgage Services Inc.

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West Chester, PA
CM Mortgage Services Inc.

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CM Mortgage Services Inc is a family owned mortgage broker located in West Chester, PA that has been providing mortgage services for the past 41 years.
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CM Mortgage Services Inc. is a family owned mortgage broker located in West Chester, PA for the past 27 years. We provide Conventional, FHA, VA, USDA, Jumbo and Reverse mortgage financing. At CM Mortgage we listen to what you want to find the best mortgage product to fit your individual situation. Unlike a traditional bank we have over 30 lenders to find the best rate and product for you. We believe in building strong customer relationships and personalized customer services which separates us from our competition. NMLS #143821

11/03/2026

Would you drive 20 extra minutes to save $100,000 on a home?

That's the real question a lot of buyers are asking about southern Chester County right now, and Avondale is a big part of the answer.

Here's what I'm seeing in the 19311 area this fall:

🏡 Median sales price around $511,600, compared to about $650,000 countywide 📈 About 141 homes for sale, up roughly 55% from a year ago 🏫 Avon Grove schools for much of the area, but some Avondale addresses fall in Kennett Consolidated 💰 Avon Grove school tax is 37.26 mills for 2026 to 2027, so lower price doesn't always mean lower taxes

The conversation I keep having with buyers is simple. They love the price, then the tax bill surprises them. That's why I never quote taxes from a zip code average. I pull the actual bill on the actual house and build your real payment from there.

Avondale also works for a lot of loan types. Conventional, FHA, VA, and for the right buyer on the right property, USDA.

I put together a full local guide covering prices, schools, taxes, commutes, and what to expect at closing: https://www.cmmortgage.com/buying-a-home-in-avondale-pa/

Thinking about southern Chester County? Call me at 610-430-6852. I'll listen first.

CM Mortgage Services Inc. | NMLS
#147631 All loans subject to approval. Equal Housing Lender.

10/28/2026

Everyone is fighting over the same houses up north. Meanwhile, there is a part of Chester County quietly offering more home for the money, and hardly anyone outside the area is talking about it.

West Grove, down in the southern tip of the county near the Delaware and Maryland line, is one of the best value plays we have right now. The median sold price this fall was around $444,000. The county median has climbed up near $650,000. You read that right. A couple hundred thousand dollars in difference for buying a few towns south, and you are not giving up much to get it. Good schools in the Avon Grove district, newer construction in a lot of cases, more yard, and a real small town feel that the busier parts of the county lost years ago.

Here is what makes the timing interesting. Over the past year, listings in West Grove rose sharply while sales slowed down. That means buyers finally have choices and real room to negotiate, which has been hard to find anywhere in this county.

And one financing piece most buyers have no idea about. Much of the area around West Grove falls in a USDA eligible zone, which means a qualified buyer can purchase with zero down. No down payment. The eligibility is drawn address by address and there are income limits, so it has to be checked for the specific home, but when it fits, it is one of the best deals in lending.

If you are a first time buyer stretched by prices up north, or a family that just needs more space, this is worth a serious look. I wrote up the whole picture.

https://www.cmmortgage.com/buying-a-home-in-west-grove-pa/

10/21/2026

Here is the conversation I keep having with buyers this fall.

They see rates in the 7s, the highest in a couple of years, and they tell me they are going to wait until spring. I get it. But I think it is backwards, and here is why.

A high rate market quietly hands buyers something they have not had in years. Negotiating room. Homes are sitting a little longer. Sellers are more willing to deal. And one of the smartest ways to use that is a rate buydown, where you get the seller to pay to lower your interest rate instead of just chipping at the price.

A 2/1 buydown lowers your payment for the first two years, by real money, hundreds of dollars a month early on. And through a seller assist, the seller can fund it. A seller who will not drop the price another twelve grand will often put that same money toward buying down your rate, because to them the net is about the same, and to you it can mean a lot more every month.

Now layer in the season. Inventory shrinks heading into winter, and a lot of buyers mentally check out until spring. That is exactly why now is the opening. Fewer buyers competing with you, and the sellers who are listed in December and January genuinely need to move. Come spring, more buyers pile back in, and in a county as tight as ours that means bidding wars again and sellers who no longer have to help anybody.

So my honest advice is to stay in house hunting mode through the holidays. You can refinance the rate later if rates come down. You cannot go back and rebuy the house for less once ten other people want it. And there is still time to close before the year ends.

I wrote the whole thing up with real numbers.

https://www.cmmortgage.com/mortgage-rate-buydown-chester-county/

10/19/2026

One of the hardest loans I've ever closed ended with a gift I'll never forget.

A year after settlement, a box arrived at my office. Inside was an American flag that had been flown over a military base in Afghanistan, sent by the family as a thank you. In over 20 years, I've never received anything better.

Here's how it started. I spent about a year helping a borrower and his wife repair their credit so they could buy a home. Then he was deployed to Afghanistan. We kept going. I worked the VA loan with both of them while he was overseas, with very limited communication. On a VA loan for a deployed service member, you have to verify the veteran is alive before you can close, and I made more calls on that than any file in my career. We set up a power of attorney, got every document signed in compliance from across the world, and I closed with his wife. She was overjoyed.

That is why veteran owned is not a marketing line for us. My father founded this company after serving in the Marine Corps, and we have held our VA loan ID since 1991. The VA loan is the best benefit in the mortgage business, no down payment and no monthly mortgage insurance, and it is also the most paperwork intensive loan there is. It deserves someone who treats it like it matters.

With Veterans Day coming up, to everyone who has served, thank you. I wrote up the full story and a plain breakdown of what your VA benefit gives you at the link.

https://www.cmmortgage.com/veteran-owned-mortgage-broker-chester-county/

10/08/2026

Did you know you might be overpaying your property taxes in Chester County, and never even know it?

Here is what most homeowners miss. The value your property taxes are based on is not the same as what your home is worth today. Chester County uses an older base value adjusted by a state number called the Common Level Ratio. When your home's real value and that math drift apart, you can end up paying taxes on value you do not actually have.

There is a simple way to check. Take the assessed value off your tax bill and multiply it by 3.27. That gives you the market value the county is effectively taxing you on. If your home would not sell for that much today, you may be assessed too high and have grounds to appeal. Successful appeals often cut the assessed value by 10 to 15 percent, and because that lowers your bill every year, it adds up fast.

The appeal window runs from May through the first business day in August, so if you missed it this year, plan for next. I am a mortgage broker, not an assessment appeals firm, but property taxes are part of every loan I do, so I know this county's numbers cold and I am always happy to help a client or neighbor run the math and point them to a good appraiser or attorney if it is worth appealing.

The full guide is here: https://www.cmmortgage.com/chester-county-property-tax-appeal/

Questions about what your home really costs to own? Start at cmmortgage.com, apply at our secure application, or call me at 610-430-6852.

CM Mortgage Services Inc. | West Chester, PA | NMLS
#147631
All loans subject to approval. Equal Housing Lender.

10/07/2026

Quick question. Do you think FHA loans are just for people who can't qualify for anything else?

Most people do, and it costs them. FHA is one of the most useful loans I have for the right buyer, and it has an advantage over conventional that almost nobody explains.

Here are the basics. You can buy with as little as 3.5 percent down with a 580 credit score, and for 2026 the FHA limit in Chester County is $630,200, which covers most of the homes people are actually shopping for. Credit requirements are more forgiving than conventional, and the debt to income rules give you more room.

Now the part that surprises people. Conventional loans add pricing hits to your rate for a lower credit score. FHA does not have those at all. So for a buyer with mid range credit, an FHA loan can actually come with a lower rate than conventional. I check this on every file, because it can save real money.

I'll always be straight with you on the catch too. FHA mortgage insurance sticks around for the life of the loan on the minimum down payment, where conventional insurance eventually drops off. That is why I often use FHA to get a buyer in the door now, then refinance them into conventional later once their credit and equity improve. FHA in, conventional later. That is a plan, not a trap.

Full breakdown here: https://www.cmmortgage.com/fha-loan-requirements-chester-county-pa/

10/01/2026

Are you self employed and worried you won't qualify for a mortgage?

Let me tell you what actually trips up business owners, because it's almost never what they think. It's not that you don't make enough. It's that lenders qualify you on the net income left after all your write offs. The deductions that save you money at tax time shrink the income a lender will count, so I see great earners get told no on paper all the time.

Here's the good news. It's fixable if you plan ahead, and there's more than one way in. On the standard path, I dig through your returns for every add back that raises your qualifying income. And if the returns still don't show enough, a bank statement loan can qualify you off 12 months of deposits instead.

Here's the part most people don't know. These bank statement loans aren't standardized like a regular loan, so every lender calculates your income differently. As a broker I can send your file to three lenders and get three different income numbers, then use the one that gets you approved. A loan officer tied to one lender gets one shot at it.

Full breakdown here: https://www.cmmortgage.com/self-employed-mortgage-chester-county/

If you're self employed and want a straight answer on what you can qualify for, start at cmmortgage.com, apply at our secure application, or call me at 610-430-6852.

CM Mortgage Services Inc. | West Chester, PA | NMLS
#147631
All loans subject to approval. Equal Housing Lender.

09/29/2026

Quick question. Are you waiting for spring to start looking for a house?

Most people are, and I understand why. But after more than 20 years doing this in Chester County, I'll tell you spring is the toughest time to buy. More buyers, more bidding wars, less room to negotiate.

Winter is the opposite. Fewer buyers out there, sellers who are usually motivated to move, and the best odds all year of getting a home under asking, with December often the best month. And this year, with rates in the low 7s keeping a lot of buyers on the sidelines, the field is about as thin as it gets. Buy the right home now with room to negotiate, and refinance later if rates come down. The one tradeoff is fewer homes on the market, so you have to be ready.

Full breakdown here: https://www.cmmortgage.com/winter-home-buying-chester-county/

Want to know what winter looks like for your situation? Start at cmmortgage.com, apply at our secure application, or call me at 610-430-6852.

CM Mortgage Services Inc. | West Chester, PA | NMLS
#147631
All loans subject to approval. Equal Housing Lender.

09/24/2026

Can I brag on a town for a minute? Oxford.

I keep meeting buyers who think they've been priced out of Chester County, and then I point them down to Oxford in the southern end and watch it click. The median home there recently sold around $418,000. Countywide it's about $623,000. Same county, more than 200 grand less, and you often get more land and a real historic small town around you.

What I love about it right now is that there are actually homes to choose from, so you're not throwing elbows in an eight-offer bidding war. And a lot of the area qualifies for USDA financing, which can mean zero down for the right buyer. It's one of the few spots around here where that really works.

I'll always shoot you straight on the tax side too, since Oxford's schools run a higher rate, but even with that it's one of the best values we've got.

If the county has felt out of reach, take a ride south. Wrote up the whole thing, link's in the comments.

NMLS
#147631 | Equal Housing Lender

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Here's the full guide: https://www.cmmortgage.com/buying-a-home-in-oxford-pa/

Address

1240 West Chester Pike, Ste 212
West Chester, PA
19382

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+16104306852

Website

http://www.cmmortgage.com/

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