The Best Mortgage Lenders in Haswell, CO
Compare verified mortgage lenders serving Haswell, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Haswell
Featured Mortgage Lenders
Public Service Credit Union
Public Service Credit Union
Public Service Credit Union stands out as one of Colorado's most trusted mortgage lenders with an 85-year history of serving communities across Eastern Colorado. While headquartered in Denver, PSCU has strong presence throughout rural Colorado with exceptional customer satisfaction ratings. They specialize in rural property financing and offer competitive rates with personalized service. Their extensive experience with USDA loans makes them particularly well-suited for Haswell residents seeking rural development financing. Members consistently praise their local loan officers' knowledge of Eastern Colorado's unique real estate market and their streamlined application process.
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First National Bank
First National Bank - Colorado
First National Bank has been a cornerstone of Southeastern Colorado banking for over half a century, with their Lamar location serving as a key hub for Haswell and surrounding rural communities. They have deep roots in agricultural and rural property lending, making them exceptionally qualified for Haswell's market. Their local loan officers understand the unique challenges and opportunities of rural Eastern Colorado real estate. Customers consistently rate them highly for their responsive service, local decision-making authority, and competitive rates. They're particularly strong in construction loans and agricultural property financing.
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The Mortgage Company
The Mortgage Company
The Mortgage Company has built an outstanding reputation across Southern Colorado with exceptional customer reviews and extensive experience in rural property financing. While based in Colorado Springs, they actively serve clients throughout Eastern Colorado, including Haswell. They're particularly noted for their expertise in USDA rural development loans and their ability to navigate the unique aspects of rural property transactions. Their team includes specialists in agricultural and ranch properties, and they're praised for their transparent communication, competitive rates, and efficient closing processes. Their 25-year track record and numerous industry awards make them a top choice for sophisticated mortgage solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Haswell, CO
What are the typical mortgage rates available in Haswell, CO, and how do they compare to state averages?
Mortgage rates in Haswell are generally slightly higher than the Colorado state average due to the rural nature of Kiowa County and lower population density. Buyers should expect rates approximately 0.125% to 0.25% higher than urban centers like Denver. Working with lenders experienced in rural Colorado properties can help secure the most competitive rates available.
Are there any special loan programs for buying rural property in Haswell?
Yes, USDA loans are particularly relevant for Haswell homebuyers since the entire area qualifies for USDA rural development loans, which offer 100% financing with no down payment requirement. Additionally, Colorado Housing and Finance Authority (CHFA) programs are available statewide and can be combined with these rural loan options for additional benefits.
How does the limited housing inventory in Haswell affect the mortgage process?
With very few properties available in Haswell, buyers may need to consider manufactured homes or older properties that require renovations. This means FHA 203(k) renovation loans or VA renovation loans (for eligible veterans) become important options. Appraisals can also be challenging due to limited comparable sales in the area.
What should I know about property taxes and insurance when getting a mortgage in Haswell?
Kiowa County has relatively low property tax rates compared to urban Colorado areas, which can make monthly mortgage payments more affordable. However, homeowners insurance may be higher due to the rural location and distance from fire departments. Your lender will help factor these unique costs into your overall mortgage qualification.
Are there any local down payment assistance programs specifically for Haswell homebuyers?
While Haswell doesn't have city-specific programs, Kiowa County residents can access CHFA's down payment assistance programs, which provide second mortgages for down payment and closing costs. Additionally, the USDA Section 502 Direct Loan Program offers subsidized payments for low-income buyers in this rural community, making homeownership more accessible.
Why Choose a Mortgage Lender in Haswell?
Local Market Knowledge
Lenders who understand Haswell'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 Colorado.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Haswell and get competitive rates on your home loan.