The Best Mortgage Lenders in Highland, CA
Compare verified mortgage lenders serving Highland, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Highland
Featured Mortgage Lenders
CrossCountry Mortgage, LLC
CrossCountry Mortgage, LLC
CrossCountry Mortgage is a highly-rated national lender with strong local presence throughout the Inland Empire, serving Highland residents with exceptional service. They maintain a 4.8-star rating across multiple review platforms with particular praise for their responsive communication and competitive rate offerings. With over two decades of experience, they specialize in all major loan types and have dedicated local loan officers who understand the Highland real estate market. Their team provides personalized guidance through the entire mortgage process, from pre-approval to closing.
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Guild Mortgage Company
Guild Mortgage Company
Guild Mortgage has been serving Southern California communities for over six decades with a strong local office in nearby Colton that actively serves Highland homebuyers. They've earned a 4.7-star rating for their exceptional customer service and extensive loan program options. As a direct lender with in-house underwriting, they can often provide faster closings and more personalized service than larger banks. Their experienced loan officers are particularly noted for helping first-time homebuyers and military families navigate the mortgage process with ease.
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Altura Credit Union
Altura Credit Union
Altura Credit Union is a highly-regarded regional financial institution serving Riverside County and the broader Inland Empire, including Highland residents. With a 4.6-star rating and over 65 years of community presence, they offer competitive mortgage rates and personalized service. As a credit union, they operate as a not-for-profit organization, often resulting in lower fees and better terms for members. Their mortgage team receives consistent praise for their local market knowledge and commitment to finding the right loan solution for each borrower's unique situation.
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Frequently Asked Questions
Common questions about mortgage lending in Highland, CA
What are the current mortgage rates like for homes in Highland, CA?
Mortgage rates in Highland typically align with national averages but can be influenced by local market competition and property types. As of recent trends, rates for 30-year fixed mortgages in the Highland area range from 6.5% to 7.25%, depending on credit score and loan type. It's advisable to compare offers from local lenders who understand the Inland Empire market dynamics.
Are there any first-time homebuyer programs specifically available in Highland?
Yes, Highland homebuyers can access California's CalHFA programs, including the CalHFA Conventional loan with down payment assistance. Additionally, the City of Highland doesn't offer its own programs, but San Bernardino County's Mortgage Credit Certificate (MCC) program can provide significant tax savings for eligible first-time buyers purchasing in the area.
How does Highland's proximity to flood zones affect mortgage requirements?
Many areas in Highland require flood insurance due to proximity to the Santa Ana River and other water channels, which affects mortgage costs. Lenders will typically require a flood elevation certificate and mandate flood insurance coverage if the property is in a designated flood zone. This can add $500-$1,500 annually to your housing costs, so it's crucial to check FEMA maps before purchasing.
What types of properties in Highland might qualify for USDA loans?
While much of Highland is considered suburban, certain peripheral areas may still qualify for USDA rural development loans, which offer 100% financing. Properties located in the more rural eastern portions of Highland toward the foothills may be eligible, but most central areas do not qualify. It's best to check the USDA eligibility map specifically for the property address.
How do Highland's property taxes impact mortgage payments and affordability?
Highland property taxes typically range from 1.1% to 1.3% of the purchase price, which is relatively standard for San Bernardino County. However, many newer developments may have Mello-Roos taxes or community facility districts that can add 0.25% to 0.75% to your tax rate, significantly impacting your monthly mortgage payment. Always review the property's tax history and any special assessments before committing.
Why Choose a Mortgage Lender in Highland?
Local Market Knowledge
Lenders who understand Highland'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 Highland and get competitive rates on your home loan.