Growing Stronger, One Satisfied Customer At A Time

About Shelter Mortgage Services

Shelter Mortgage Services Inc. (SMS) is a corporation established in 1983. SMS is a financial service company, not a bank or insurance company. SMS is a licensed Mortgage Banker in Pennsylvania, Delaware and New Jersey with nationwide lending capabilities. Annually we provide in excess of $250,000,000 in residential mortgages. During the past decade, SMS has maintained stability and financial growth within the marketplace. We pride ourselves on understanding the needs of our customers, therefore we offer a full menu of loan programs to fill any need.

Our Commitment To Excellence

Our experienced staff is known for taking the guess work out of mortgage financing by providing personalized service. Rapid approvals are a main priority in our overall business plan. Our management team is continually striving to perfect the mortgage process. Technology plays a major role in our advancement over the competition. Our commitment to computerization has placed us on the leading edge of the mortgage industry.

Loan Products Available


15/20/25/30 Year Fixed Rates
5/25 Balloon Mortgages
7/23 Balloon Mortgages
Temporary Buydowns
6 Month Arms
1 Year Arms
3/1 Arms
5/1 Arms
7/1 Arms
10/1 Arms
Poor Credit Loans
Construction Financing
Swing Loans
Piggyback Loans


15/20/25/30 Year Fixed Rates
One Year Adjustable
Temporary Buydown Loan

15/20/25/30 Year Fixed Rates
Temporary Buydown Loan

Licensed Mortgage Banker: PA Dept. of Banking
Licensed Mortgage Banker: NJ Dept. of Banking
Licensed Mortgage Banker: DE Dept. of Banking

Equal Housing Opportunity

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