The Best Mortgage Lenders in Grant, FL
Compare verified mortgage lenders serving Grant, Florida. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Grant
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is highly regarded for its exceptional customer service and competitive mortgage rates, with a strong local presence in Brevard County. They are known for their efficient loan processing, personalized approach, and extensive experience serving homebuyers in Grant and surrounding areas. Their high ratings reflect consistent customer satisfaction and reliability in the mortgage industry.
Loan Types:
Supreme Lending
Supreme Lending
Supreme Lending is a top-rated mortgage lender with a focus on community involvement and transparent lending practices. They offer a wide range of loan products and are praised for their reliability, competitive rates, and dedicated service to clients in Grant and the broader Brevard County region. Their long-standing reputation and positive reviews highlight their commitment to customer success.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is recognized for its innovative technology and fast, streamlined mortgage processes, making home buying efficient and stress-free. With a strong regional presence in Central Florida, they serve Grant and nearby areas, offering competitive rates and exceptional customer service. Their high customer satisfaction ratings and modern approach make them a trusted choice for mortgages.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Grant, FL
What are the current mortgage rates like for homes in Grant, FL?
Mortgage rates in Grant typically align with national averages but can vary based on property type and flood zone requirements. For conventional 30-year fixed loans, rates generally range from 6.5% to 7.5% as of 2024. Given Grant's proximity to coastal areas, lenders may factor in additional insurance requirements that could affect overall borrowing costs.
Are there any first-time homebuyer programs specific to Grant, FL?
Yes, Grant homebuyers can access Florida Housing Finance Corporation's First Time Home Buyer program, which offers competitive interest rates and down payment assistance. Additionally, Brevard County offers local assistance programs that Grant residents qualify for, including down payment and closing cost help for income-eligible buyers purchasing within the county.
How does Grant's location in a flood zone affect mortgage requirements?
Since much of Grant is in a designated flood zone, most lenders will require flood insurance as a condition for your mortgage. This is typically in addition to standard homeowners insurance and can add $500-$2,000 annually to your housing costs. Your lender will order a flood certification to determine the exact zone and insurance requirements for your specific property.
What types of properties are most common for mortgage lending in Grant?
Grant primarily features single-family homes, manufactured homes on owned land, and some waterfront properties. Lenders may have specific requirements for manufactured homes, often requiring them to be permanently affixed and meeting HUD standards. Waterfront properties may require additional inspections and higher insurance coverage, which can affect loan approval.
Are there any local grant or assistance programs for homebuyers in Grant?
While Grant itself doesn't offer municipal programs, buyers can access Brevard County's SHIP (State Housing Initiatives Partnership) program, which provides down payment and closing cost assistance. The program targets low-to-moderate income households and requires homebuyer education. Some lenders also offer special programs for essential workers like teachers, healthcare workers, and first responders in the area.
Why Choose a Mortgage Lender in Grant?
Local Market Knowledge
Lenders who understand Grant'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 Grant and get competitive rates on your home loan.