The Best Mortgage Lenders in Friant, CA
Compare verified mortgage lenders serving Friant, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Friant
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong local presence in the Fresno area, serving Friant residents with exceptional service. They are renowned for their competitive rates, digital mortgage process, and high customer satisfaction scores. With over two decades of experience, they offer a wide range of loan products and have consistently high ratings due to their efficient closing times and personalized support from local loan officers. Their commitment to transparency and technology-driven solutions makes them a preferred choice for homebuyers in the Central Valley.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a highly reputable lender with deep roots in the Fresno region, providing reliable mortgage services to Friant and surrounding communities. Known for their exceptional customer service and community involvement, they have built a strong reputation over nearly three decades. They excel in offering competitive rates, flexible loan options, and dedicated local advisors who guide clients through every step. Their high review ratings reflect a track record of smooth transactions and personalized care, making them a trusted partner for home financing.
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Caliber Home Loans
Caliber Home Loans, Inc.
Caliber Home Loans is a well-established mortgage lender with a significant presence in the Fresno area, offering comprehensive services to Friant residents. They are praised for their competitive pricing, diverse loan products, and efficient processing. With over 15 years in business, they have a solid reputation for reliability and customer-focused approaches, including tailored solutions for various financial situations. Their high customer satisfaction ratings stem from responsive support and a commitment to simplifying the mortgage experience, backed by strong industry credentials and local expertise.
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Frequently Asked Questions
Common questions about mortgage lending in Friant, CA
What are current mortgage rates like for homes in Friant, CA?
Mortgage rates in Friant typically align with national averages but can vary based on property type and location within the Madera County area. Currently, rates for 30-year fixed mortgages range between 6.5-7% for well-qualified buyers. It's important to shop local lenders who understand Friant's rural character and can offer competitive terms for properties near Millerton Lake or agricultural areas.
Are there any special loan programs for first-time homebuyers in Friant?
Yes, Friant homebuyers can access California Housing Finance Agency (CalHFA) programs like the MyHome Assistance Program, which offers down payment assistance. Additionally, Madera County may have local programs for moderate-income buyers, particularly important given Friant's mix of agricultural and commuter residents. Many lenders also offer USDA loans, which can be beneficial in Friant's rural-designated areas.
How does Friant's location near Millerton Lake affect mortgage requirements?
Properties closer to Millerton Lake may require additional flood insurance, which lenders will factor into your debt-to-income ratio. Waterfront or view properties might also have higher appraisal values, potentially affecting loan-to-value calculations. Some lenders may have specific requirements for homes in this recreational area, so it's important to work with someone familiar with Friant's unique waterfront properties.
What should I know about getting a mortgage for agricultural properties in Friant?
Financing agricultural properties in Friant requires specialized lending, as conventional mortgages typically don't cover working farms or large land parcels. You'll likely need an agricultural loan through USDA or specialized lenders familiar with Central Valley farming. For smaller residential properties with some acreage, some local credit unions and community banks offer rural housing loans tailored to Friant's character.
How do property taxes work for mortgage calculations in Friant?
Friant falls under Madera County's property tax system, with a base rate of 1% of the purchase price plus additional voter-approved bonds and assessments. When calculating your mortgage payment, lenders will estimate property taxes based on Madera County's rates, which are generally lower than California's urban areas but may include special district assessments for rural services. Your lender should provide accurate tax estimates during pre-approval.
Why Choose a Mortgage Lender in Friant?
Local Market Knowledge
Lenders who understand Friant'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 California.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Friant and get competitive rates on your home loan.