The Best Mortgage Lenders in Felton, GA
Compare verified mortgage lenders serving Felton, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Felton
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service and competitive rates. With over 25 years of experience, they have a strong presence in Northwest Georgia, including Felton, and are praised for their personalized approach, fast closings, and wide range of loan options. Their high ratings reflect consistent customer satisfaction and reliability in the mortgage industry.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly regarded lender with a focus on community engagement and efficient service. Serving Felton and surrounding areas, they offer competitive rates and a streamlined process, including their signature "Upfront Underwriting" for faster approvals. With numerous positive reviews highlighting their responsiveness and expertise, they are a trusted choice for homebuyers in the region.
Loan Types:
Caliber Home Loans
Caliber Home Loans, Inc.
Caliber Home Loans is a reputable national lender with a strong local presence in Georgia, offering a comprehensive suite of mortgage products. Known for their competitive rates and flexible solutions, they serve Felton with a commitment to customer satisfaction and have earned high marks for their knowledgeable loan officers and smooth closing processes. Their extensive experience and positive customer feedback make them a reliable option for borrowers.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Felton, GA
What are typical mortgage rates for homebuyers in Felton, GA?
Mortgage rates in Felton generally align with national averages but can vary based on property type and location within Haralson County. Currently, rates for 30-year fixed mortgages range from 6.5% to 7.25% for qualified buyers. Local lenders often offer competitive rates for Felton properties due to the area's stable housing market and lower risk profile.
Are there any first-time homebuyer programs specifically available in Felton?
Yes, Felton homebuyers can access Georgia's Dream Homeownership Program, which offers down payment assistance up to $7,500 statewide. Additionally, Haralson County occasionally offers local housing initiatives, and USDA loans are particularly relevant for Felton's rural properties, offering 100% financing with no down payment required for eligible buyers.
How does Felton's rural location affect mortgage options?
Felton's rural classification makes many properties eligible for USDA loans, which are excellent for buyers with moderate incomes seeking no-down-payment options. However, some lenders may require additional property inspections for rural homes, and certain property types like manufactured homes might have more limited financing options through conventional lenders.
What should I know about property taxes when getting a mortgage in Felton?
Haralson County property taxes are relatively affordable compared to metro areas, currently averaging about 0.95% of assessed value. Your mortgage lender will typically include these taxes in your monthly escrow payment. First-time buyers should note that Felton properties may qualify for various homestead exemptions that can reduce your tax burden.
How competitive is the mortgage pre-approval process in Felton's housing market?
While less competitive than Atlanta suburbs, Felton's affordable housing market still benefits from strong pre-approvals. Local lenders familiar with Haralson County properties can provide quicker underwriting, which is advantageous when competing for Felton's limited inventory of single-family homes. Getting pre-approved with a local credit union or community bank often provides an edge.
Why Choose a Mortgage Lender in Felton?
Local Market Knowledge
Lenders who understand Felton'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 Georgia.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Felton and get competitive rates on your home loan.