The Best Mortgage Lenders in Houston, DE
Compare verified mortgage lenders serving Houston, Delaware. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Houston
Featured Mortgage Lenders
First Heritage Mortgage
First Heritage Mortgage
First Heritage Mortgage is a highly-rated regional lender with strong presence throughout Delaware, including serving the Houston area. They have built an exceptional reputation over 25 years for personalized service, competitive rates, and local expertise. Their team understands the unique aspects of Delaware's real estate market and offers a comprehensive range of loan products with a focus on customer education and smooth closing processes. They consistently receive outstanding reviews for their responsive communication and ability to handle complex financing situations.
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Fulton Bank
Fulton Bank, N.A.
Fulton Bank has deep roots in the Delaware community with multiple branches serving the Houston area. As an established financial institution with over a century of experience, they offer the stability of a traditional bank combined with modern mortgage solutions. Their local loan officers provide personalized guidance through the entire home financing process, and they're particularly noted for their first-time homebuyer programs and competitive conventional loan options. Customers praise their reliability and the bank's commitment to local communities.
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PNC Bank Mortgage
PNC Bank, N.A.
PNC Bank maintains a strong presence throughout Delaware with multiple locations serving the Houston area. As one of the nation's largest banks with deep regional roots, they offer comprehensive mortgage solutions backed by extensive resources and digital tools. Their local mortgage specialists provide personalized service while leveraging the bank's competitive rates and diverse loan products. PNC is particularly recognized for their online mortgage experience and reliable customer service, with many customers noting smooth closing processes and responsive communication from their Delaware-based teams.
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Frequently Asked Questions
Common questions about mortgage lending in Houston, DE
What are the current average mortgage rates for homebuyers in Houston, DE?
Mortgage rates in Houston, DE, are generally competitive with national averages but can be influenced by local market conditions. As of recent data, 30-year fixed rates typically range from 6.5% to 7%, though this varies by lender and borrower qualifications. It's advisable to compare offers from local Delaware lenders and credit unions for the best rates.
Are there any first-time homebuyer programs available specifically in Houston, DE?
Yes, Houston homebuyers can access Delaware State Housing Authority (DSHA) programs like the Preferred Plus Loan, which offers competitive interest rates and down payment assistance. These programs are available statewide, including in Houston, and can provide valuable support for qualifying first-time buyers in Kent County.
How does Houston's rural location affect mortgage lending options?
Houston's location in a rural part of Kent County may make some buyers eligible for USDA loans, which offer 100% financing with no down payment required. This can be particularly advantageous given Houston's more affordable housing market compared to urban areas in Delaware, though eligibility depends on specific property locations and income limits.
What are the typical property taxes for mortgages in Houston, DE?
Houston homeowners benefit from Delaware's relatively low property taxes, with Kent County rates typically around 0.55% of assessed value. This translates to approximately $1,375 annually on a $250,000 home, which is lower than national averages and helps make overall mortgage payments more affordable in the Houston area.
Are there any local considerations for jumbo loans in Houston, DE?
While Houston's housing market is generally affordable, some higher-end properties may require jumbo loans. Delaware lenders typically set jumbo loan thresholds around $726,200, matching the statewide conforming loan limits. However, Houston's market conditions mean jumbo loans are less common than in more expensive Delaware communities.
Why Choose a Mortgage Lender in Houston?
Local Market Knowledge
Lenders who understand Houston'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 Delaware.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Houston and get competitive rates on your home loan.