The Best Mortgage Lenders in Harrison, GA
Compare verified mortgage lenders serving Harrison, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harrison
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender with over 28 years of experience, known for its exceptional customer service and competitive rates. They have a strong presence in Georgia and serve the Harrison area with a wide range of loan options, including government-backed and jumbo loans. Their high ratings stem from personalized service, fast processing times, and a commitment to community involvement, making them a reliable choice for homebuyers in rural and urban areas alike.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a highly reputable mortgage lender with 24 years of industry experience, offering innovative digital tools and competitive rates for borrowers in Harrison and across Georgia. They excel in providing a seamless online application process and have earned high customer satisfaction ratings for their transparency and efficiency. Their local Atlanta office ensures personalized support for clients in the Harrison area, with a focus on flexible loan products and expert guidance.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a nationally recognized lender with a strong local presence in Georgia, praised for its fast closing times and community-focused approach. Serving Harrison and surrounding areas, they offer a variety of loan programs tailored to first-time homebuyers and refinancers, backed by a 16-year track record of reliability. Their high ratings reflect dedicated customer service, competitive rates, and a commitment to giving back to local communities, making them a trusted option for mortgage needs.
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Frequently Asked Questions
Common questions about mortgage lending in Harrison, GA
What are the current mortgage rates like in Harrison, GA compared to the national average?
Mortgage rates in Harrison typically align closely with national averages, but local lenders may offer competitive rates due to the area's stable housing market. Currently, rates for 30-year fixed mortgages in Harrison range from 6.5% to 7%, though this can vary based on credit score and loan type. It's wise to compare offers from both local credit unions and national lenders serving the Coweta County area.
Are there any first-time homebuyer programs specific to Harrison, GA that can help with down payments?
Yes, Harrison homebuyers can access Georgia's statewide programs like the Georgia Dream Homeownership Program, which offers down payment assistance and competitive interest rates. Additionally, some local lenders in Coweta County may offer special first-time buyer programs with lower down payment requirements. These programs are particularly valuable given Harrison's growing but still affordable housing market compared to metro Atlanta areas.
How does Harrison's rural location affect mortgage lending options and requirements?
Harrison's rural designation makes some borrowers eligible for USDA loans, which offer 100% financing with no down payment requirement. However, being within reasonable commuting distance to Newnan and Peachtree City means conventional loans remain widely available. Lenders may require additional documentation for rural properties, particularly for homes on well and septic systems rather than municipal utilities.
What special considerations should I know about when getting a mortgage for a historic home in Harrison?
Historic homes in Harrison may require specialized lending approaches, particularly if the property needs significant renovations. You'll want to explore FHA 203(k) renovation loans or similar programs that bundle purchase and improvement costs. Local lenders familiar with Harrison's historic properties can guide you through any additional appraisal requirements and help identify potential preservation grants or tax incentives.
How long does the mortgage approval process typically take with local Harrison lenders?
The mortgage process in Harrison typically takes 30-45 days with local lenders, similar to national timelines. However, working with lenders familiar with Coweta County can streamline the process since they understand local property valuation trends and documentation requirements. The timeline can extend if purchasing rural properties requiring well and septic inspections or during peak spring buying season.
Nearby Cities
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Why Choose a Mortgage Lender in Harrison?
Local Market Knowledge
Lenders who understand Harrison'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 Harrison and get competitive rates on your home loan.