The Best Mortgage Lenders in Hagan, GA
Compare verified mortgage lenders serving Hagan, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hagan
Featured Mortgage Lenders
Mike Jarrard
Ameris Bank
Ameris Bank is a highly-regarded regional bank with strong presence throughout Southeast Georgia, including service to Hagan. With over 50 years in business, they offer comprehensive mortgage solutions and maintain exceptional customer satisfaction ratings. Their local branch network and personalized service make them a top choice for rural communities like Hagan, offering competitive rates on all major loan types including USDA loans which are particularly relevant for rural areas.
Loan Types:
Chris Lanier
Morris Bank
Morris Bank has been serving Southeast Georgia communities for nearly 60 years and maintains an excellent reputation for mortgage lending in rural areas like Hagan. They specialize in construction and agricultural lending, making them particularly well-suited for the Hagan market. Their local decision-making process and community-focused approach have earned them consistently high customer ratings and trust among local residents.
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Mortgage Department
Heritage Bank
Heritage Bank provides comprehensive mortgage services throughout Bulloch County and surrounding areas, including Hagan. As a community bank with deep roots in the region, they offer personalized service and competitive rates. Their mortgage team has extensive experience with rural property financing and USDA loans, which are essential for the Hagan area. Their strong local presence and commitment to customer service make them a reliable choice for area homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Hagan, GA
What are the current average mortgage rates for homebuyers in Hagan, GA?
Mortgage rates in Hagan typically align with national averages but can vary based on local lenders. Currently, 30-year fixed rates hover around 6.5-7%, while 15-year fixed rates are approximately 5.75-6.25%. It's best to check with local Hagan banks and credit unions like Heritage Bank or Morris Bank for the most competitive rates specific to Evans County.
Are there any first-time homebuyer programs specifically available in Hagan?
Yes, Hagan homebuyers can access Georgia Dream Homeownership Program, which offers down payment assistance and affordable fixed-rate mortgages. Additionally, the USDA Rural Development loan is particularly relevant since Hagan qualifies as a rural area, offering 100% financing with no down payment required for eligible borrowers.
How does Hagan's rural location affect mortgage lending options?
Hagan's rural designation makes USDA loans widely available, which is a significant advantage for buyers with moderate incomes. Many properties also qualify for well and septic system financing through these programs. However, you may find fewer large national lenders operating locally, making community banks and regional credit unions important resources.
What should I know about property taxes when getting a mortgage in Hagan?
Evans County property taxes are relatively affordable compared to urban Georgia areas, typically ranging from 0.8% to 1.2% of assessed value. Your mortgage lender will include these taxes in your monthly escrow payment. It's important to note that Hagan's millage rate can differ from surrounding areas, so verify exact amounts with the Evans County Tax Commissioner's office.
Are there any local down payment assistance programs for Hagan homebuyers?
While Hagan itself doesn't offer city-specific programs, Evans County residents can access the Georgia Department of Community Affairs' down payment assistance, providing up to $7,500 in help. Local employers like Rayonier Advanced Materials may also offer employer-assisted housing programs, so check with your HR department about potential benefits.
Why Choose a Mortgage Lender in Hagan?
Local Market Knowledge
Lenders who understand Hagan'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 Hagan and get competitive rates on your home loan.