The Best Mortgage Lenders in Argyle, FL
Compare verified mortgage lenders serving Argyle, Florida. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Argyle
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in Florida, known for its competitive rates and efficient digital mortgage process. They excel in customer satisfaction with high ratings across multiple review platforms, offering a wide range of loan products tailored to first-time homebuyers and investors alike. Their extensive experience and commitment to transparency make them a reliable choice for Argyle residents seeking personalized service and fast closings.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly regarded mortgage lender with a focus on diversity and community support, serving Argyle and surrounding areas through a network of local experts. They are praised for their competitive rates, flexible loan options, and exceptional customer service, particularly for VA and FHA loans. With numerous awards and a strong track record, they provide educational resources and dedicated support to ensure a smooth homebuying experience.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage stands out for its rapid loan processing and community-centric approach, with loan officers actively serving the Argyle area. They have consistently high customer ratings for their responsive service and competitive rates, specializing in a variety of loan types to meet diverse needs. Their "More Than A Mortgage" initiative and commitment to local charities enhance their reputation as a trustworthy and caring lender in the region.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Argyle, FL
What are the current average mortgage rates for homebuyers in Argyle, FL?
Mortgage rates in Argyle typically align with national averages but can vary based on local lender competition and property types common in the area. As of recent data, 30-year fixed rates in Washington County generally range from 6.5% to 7.25%, though rural properties might see slightly higher rates. It's best to compare offers from local credit unions and regional banks serving the Argyle area for the most competitive terms.
Are there any special mortgage programs for first-time homebuyers in Argyle?
Yes, Argyle homebuyers can access Florida Housing Finance Corporation programs, which offer competitive interest rates and down payment assistance to eligible borrowers. Additionally, Washington County may have local initiatives for rural development loans through USDA programs, which are particularly relevant given Argyle's designation as a rural community. These programs can provide 100% financing options for qualified buyers in the area.
How does Argyle's rural location affect mortgage lending requirements?
Argyle's rural classification can work to borrowers' advantage through USDA Rural Development loans, which offer 100% financing without private mortgage insurance. However, some conventional lenders may require additional property inspections or have stricter appraisal requirements due to the area's mix of agricultural and residential properties. Flood insurance is also commonly required given Northwest Florida's weather patterns and the area's proximity to water sources.
What unique closing costs should I expect when buying a home in Argyle?
Beyond standard closing costs, Argyle homebuyers should budget for rural-specific expenses like enhanced septic system inspections and well water testing, which are common requirements. Washington County recording fees and transfer taxes typically add 0.6-0.9% to closing costs, and you may encounter additional fees for surveying larger rural parcels common in the area. Always request a detailed loan estimate from your lender specific to Argyle properties.
Are there any local down payment assistance programs available specifically for Argyle homebuyers?
While Argyle itself doesn't offer municipal programs, Washington County participates in statewide assistance programs like Florida Hardest-Hit Fund and local housing initiatives. The Florida Housing Homebuyer Loan Program provides down payment assistance up to $10,000 as a second mortgage, and some local credit unions offer special programs for essential workers buying in rural communities like Argyle. These programs often have income limits and property location requirements.
Nearby Cities
Explore mortgage lenders in cities near Argyle, FL
Why Choose a Mortgage Lender in Argyle?
Local Market Knowledge
Lenders who understand Argyle'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 Florida.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Argyle and get competitive rates on your home loan.