Ed Toth

About Ed

My name is Ed Toth and I have been in the mortgage industry for over 5 years. My experience has given me the ability to successfully originate FHA, VA and conventional loans - guiding customers through the process. I specialize in new home loans, refinances and streamline loans. I look at each person's unique situation and find the right product to fit each need. Whether it's a mortgage for your new home or lowering your monthly payment by refinancing, I can help you achieve your financial goals.

I will make every effort to simplify the lending process with step-by-step guidance from application to closing.

I am committed to providing you with the best customer service available. If you want to get started on a home loan, contact me today.

Lending Specialties

New Penn offers the top mortgage products available in the market today. With low down payments, low interest rates, and reduced closing costs, our loan programs can help improve your financial situation.  Some of our most popular product include:

• Fixed rate mortgages: 30, 20, 15 & 10 year terms available
• Adjustable rate loans: 10/1, 7/1, 5/1, 3/1
• Jumbo loans: Borrow up $3 million with competitive rates
• FHA loans: Provides more flexibility in credit, income and equity/down payment requirements
• Interest only loans: Available through New Penn's proprietary loan programs
• VA loans: Mortgages for Veterans and Active Military
• Renovation loans: Facilitate home improvements
• Real Estate investor loans: Flexible financing to refinance or purchase investment properties

Tools and Calculators

Below are mortgage calculators to help you answer personal mortgage financing questions:

Monthly Savings Calculator

This calculator helps you determine if now is the right time for you to refinance.

Monthly Payment Calculator

Use this calculator to determine your monthly payment based on your loan amount and interest rate.

Rent vs. Buy Calculator

Are you better off buying a home, or should you continue renting?

Loan Comparison Calculator

Use this tool to compare mortgage loans.

These calculators are only meant to estimate results based on the information you enter. They do not take into account all factors that you should consider when choosing a mortgage, nor can we guarantee that the terms you enter reflect terms actually offered by New Penn Financial.

What Clients Say

"I just want to take this opportunity to thank you for all of your assistance in my recent refinance of a rental property. You kept me well informed of all that was going on and all the information that I needed to get to you to keep the loan process flowing. Even though there were times that it began to seem hopeless in this day's economy, you helped me stay encouraged. Thank you again." - Carl and Loretta C.