Headshot of Pedro Torres

Pedro Torres

Loan Officer

The Barb Harkins Team

NMLS #142139

216 Nazareth Pike, Unit B3, Suite 101
Bethlehem, PA 18020
Contact Methods
tel Phone
fax Fax


About Pedro

Shopping for a home can be a challenge. Obtaining a home loan should be easy!

I have over 19 years of mortgage industry knowledge to share with you. When we work together on your home loan, I’ll do everything I can to make the process simple, smooth, and even fun. I’ll ask you about your goals and priorities so I can find the best mortgage for you. I’ll make sure to always keep you up to date on the progress of your loan, and when you have a question, I’ll answer it quickly.

I truly enjoy helping first-time homebuyers, and being bilingual means I can help Spanish speakers achieve their dreams of homeownership. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo, so whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.

Community service is also very important to me. I’ve served on the boards of the Hispanic Chamber of Commerce of the Lehigh Valley, the Center City Allentown Redevelopment Project, and Casa Guadalupe. Currently, I’m secretary of the Allentown Neighborhood Improvement Zone Development Authority, an organization committed to the redevelopment of center city Allentown.


  • Purchase and Refinance

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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Send me a message below or give me a call at 610-554-1436