The Best Mortgage Lenders in Taylor, AZ
Compare verified mortgage lenders serving Taylor, Arizona. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Taylor
Featured Mortgage Lenders
Nova Home Loans
Nova Home Loans
Nova Home Loans is an Arizona-based mortgage lender with deep roots throughout the state, including strong service to rural communities like Taylor. Founded in Tucson, they've built an exceptional reputation for serving first-time homebuyers and rural property purchases with specialized USDA loan expertise. Their 4.8-star rating reflects consistent praise for personalized service, competitive rates, and deep knowledge of Arizona's unique housing markets. As a direct lender with in-house underwriting, they offer faster closings and have particular expertise with rural properties common in the Taylor area.
Loan Types:
Guild Mortgage
Guild Mortgage Company
Guild Mortgage maintains a strong presence in Northern Arizona with dedicated loan officers serving rural communities throughout the White Mountains region including Taylor. With over six decades of experience, they specialize in government-backed loans including USDA rural development loans perfectly suited for Taylor homebuyers. Their 4.7-star rating highlights exceptional customer service and expertise with unique property types found in rural Arizona. Guild is particularly noted for their construction and renovation loan programs, making them ideal for buyers considering building or improving properties in Taylor.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage has established a strong Northern Arizona presence with loan officers specifically trained to handle rural property financing in communities like Taylor. Their 4.6-star rating reflects consistent praise for responsive service and competitive rate offerings. They offer specialized programs for first-time homebuyers and have particular expertise with USDA loans, which are highly relevant for Taylor residents. As a national lender with local expertise, they combine the resources of a large institution with personalized service, making them well-equipped to handle the unique aspects of Taylor's real estate market.
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Frequently Asked Questions
Common questions about mortgage lending in Taylor, AZ
What are the current average mortgage rates for homebuyers in Taylor, AZ?
Mortgage rates in Taylor typically align with national averages but can vary based on property type and local lender competition. As of recent trends, 30-year fixed rates in Navajo County generally range from 6.5% to 7.5%, though rural properties might see slightly higher rates. It's best to compare offers from local credit unions like White Mountain Credit Union alongside national lenders for the most competitive rates.
Are there any first-time homebuyer programs specifically available in Taylor, AZ?
Yes, Taylor homebuyers can access the Home Plus program, which offers down payment assistance and competitive rates throughout Navajo County. Additionally, USDA loans are particularly relevant for Taylor given its rural designation, offering 100% financing with no down payment required. Local lenders familiar with these programs can help navigate the specific income and property eligibility requirements.
How does Taylor's rural location affect the mortgage approval process?
Taylor's rural classification means some lenders may require additional property inspections or have stricter appraisal requirements due to fewer comparable sales. USDA loans are widely available and often ideal for Taylor properties, but you'll want to work with lenders experienced in rural Arizona mortgages. The limited number of local appraisers might also slightly extend your closing timeline.
What special considerations should I know about when getting a mortgage for manufactured homes in Taylor?
Taylor has many manufactured homes, which require specific financing through FHA, VA, or USDA loans if the home is on a permanent foundation. Local lenders familiar with Taylor's housing stock can help navigate requirements like HUD certification and proper titling. Interest rates for manufactured homes are typically 0.5-1% higher than for site-built homes in the area.
Are there property tax advantages for homebuyers in Taylor that affect mortgage planning?
Yes, Taylor homeowners benefit from Arizona's relatively low property tax rates, with Navajo County averaging around 0.6% of assessed value. The state's primary property tax exemption can reduce your taxable value by several thousand dollars, which lowers both your tax burden and the escrow payments included in your mortgage. Your lender can help estimate precise tax implications during the pre-approval process.
Nearby Cities
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Why Choose a Mortgage Lender in Taylor?
Local Market Knowledge
Lenders who understand Taylor's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Arizona.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Taylor and get competitive rates on your home loan.