Gibsonia, PA

Lou Incardona

Loan Officer | NMLS #: 1751149

Real Reviews from Real Homebuyers

Linda

Pittsburgh, PA

"The communication was wonderful!"

for Loan Officer

Carol DeFazio
Debra Monteleone

"Carol made my client happy with her good communication and attentiveness. Thank you!"

for Loan Officer

Ricardo Serna
Darius X

Pittsburgh, PA

"She was magnificent"

for Loan Officer

Carol DeFazio
Sean Rybolt

"Absolutely fantastic. Went above and beyond for our family and we are blessed to have found them."

for Loan Officer

Ricardo Serna
John Sallmen

New Castle, PA

"We got to closing, so they did their jobs!"

for Loan Officer

Carol DeFazio
Robert M

Gibsonia, PA

"Great a communication and an incredibly easy process."

for Loan Officer

Carol DeFazio
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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$
years
$
$
%
%

Your LTV is less than 80%, so you will not need to pay PMI.

$
$

3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly Insurance

50

Monthly PMI

0

Monthly Principal and Interest

0

Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

About Lou

People are known to call me “Uncle Lou.” It is more than just a nickname; it’s a reflection of Lou’s genuine commitment to helping clients make the best financial decisions for their families. As a trusted mortgage consultant, Uncle Lou understands that every client’s goals and circumstances are unique. He takes the time to truly listen, understand, and guide each person toward the mortgage solution that fits them best. Lou ensures a smooth and stress-free experience from start to finish; delivering smart, personalized home financing every step of the way. Lou proudly serves on the boards of the Rotary Club of Latrobe and Central Westmoreland Habitat for Humanity, where he continues his commitment to service and community. When he’s not helping clients achieve their homeownership dreams, Lou enjoys spending time with family, managing finances, and perfecting his golf swing. Lou lives by a simple yet powerful motto: “A smile costs nothing but gives much. It enriches those who receive without making poorer those who give. It takes but a moment, but the memory of it lasts forever. Yet it cannot be bought, begged, borrowed, or stolen. Some people are too tired to give one—so give them one of yours.’

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans
  • Jumbo Loans
  • USDA Rural Development Loans

Send Lou a message

5316 William Flynn Hwy
Ste 303
Gibsonia, PA 15044

(412) 334-5348

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!

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