Take advantage of our finance tools to find the Garman home that is right for you. New home financing is a specialized field. To better serve your needs, we assign you an expert financial consultant from the moment you apply. He or she will work with you from the very beginning until the funding day, making the process smooth and seamless.

In addition to specializing in funding all your home financing needs, we offer superior customer service: Free Pre-qualification, Smooth Application Process, Easy Closing, No Hassle Service, Fast. Focused. Flexible.


Matt Zoll_small1

Matthew Zoll, Vice President of Business Development

Lancaster Mortgage Company
Phone: 717-344-5804
Fax: 717-560-2267
Email: mzoll@lmchomeloans.com
LMC Home Loans

Matthew Zoll is currently a Vice President of Business Development for LMC Home Loans. He started his Career in 2005 and was employed by Countrywide Home Loans, and American Home Bank where he specialized in construction-permanent lending and new home construction.

Matthew currently lives in the Ephrata area with his wife Jennifer Zoll and their three children. He graduated from Ephrata High School in 1999. He then went on to earn a Bachelor of Science degree from North Carolina Wesleyan College in 2003, where he played soccer for four years. He enjoys camping, sports and serving as the head coach for his children’s soccer teams.

Matthew’s objective is to make sure his customers are presented with the best possible financing options that fit their specific needs so they can purchase the home of their dreams.

 

Andy Male, Mortgage Sales Manager and Originator

First National Bank
Phone: 717-216-3371
Fax: 866-308-1682
Email: maleg@fnb-corp.com
www.fnb-online.com

Andy has been helping people finance dreams since 1994. He specializes in new home construction and construction-permanent lending and has partnered with builders for over two decades and is currently employed with First National Bank Of Pennsylvania. He is active in area building industry associations and supports the PBA and the NAHB. He graduated from Franklin and Marshall College in 1986.

Andy resides in Lancaster County with his wife and family. His hobbies include fly fishing, skiing, boating and playing squash. He also enjoys cooking.

An active volunteer for multiple non-profits, Andy is involved in the BIA, The Lancaster Squash Association, and Squash Aces, an after-school enrichment program which helps underserved school students.

Andy takes pride in facilitating smooth transactions that produce lifelong customers. As your mortgage guide, he will help you navigate the ever-changing landscape of the mortgage lending.

 

Financial Calculators

Rent vs. Buy a Home

Renting a Home
Monthly Rent ($ / Month)
Renter's Insurance
($ / Month)
Expected Annual Rent Increase (%)
 
Buying a Home
Purchase Price of Home
Mortgage or Home Loan
Interest Rate on Loan (%)
Term of the Loan (Years)
 
Homeowners Insurance
($ / Year)
Property or Real Estate Taxes
($ / Year)
Home Maintenance
($ / Year)
 
Home Ownership Assumptions
Years before Selling (Years)
Home Appreciation Rate (% / Year)
Cost to Sell Home
(% of Selling Price)
Federal / State Income Tax (%)
RESULTS Buying  Renting 
Monthly Payment ($ / Month)
Payment - End of Period ($ / Month)
Property Tax and Insurance ($ / Month)
Maintenance ($ / Month)  
Total Monthly Expenses ($ / Month)
Total Cost Before Selling / Moving ($)
     
Additional Ownership Adjustments
Expected Selling Price ($)
Minus:  Original Down Payment ($)
Minus:  Remaining Principal on Loan ($)
Minus: Cost to Sell ($)
Add: Tax Benefit / Savings ($)
Gain / (Loss) on Owning Home ($)
Effective Cost of Buying or Renting ($)
Net Gain (Loss) by Buying a Home ($)