SSL Secured
Privacy Protected
Licensed & Regulated
MortgageLenderNearMe
Perry, GA

The Best Mortgage Lenders in Perry, GA

Compare verified mortgage lenders serving Perry, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
725+
Reviews
9
Loan Types

Available Loan Programs in Perry

Conventional
FHA
VA
USDA
Jumbo
Refinance
Home Equity
Construction
Lot

Featured Mortgage Lenders

1

Todd Tippett

Tippett Home Loans

★★★★☆
4.9/5

Tippett Home Loans is a highly-rated local mortgage lender based right in Perry, Georgia, with over two decades of experience serving Middle Georgia. Owner Todd Tippett has built an exceptional reputation for personalized service and competitive rates, specializing in first-time homebuyer programs, VA loans for military families, and conventional financing. Their deep local market knowledge and commitment to customer satisfaction make them a top choice for Perry residents seeking mortgage solutions with a personal touch and local expertise.

Experience:22 years
Reviews:175 customer reviews
107 Northside Drive, Perry, GA 31069

Loan Types:

ConventionalFHAVAUSDAJumboRefinance
Visit Website
2

Mortgage Specialist

Robins Financial Credit Union

★★★★☆
4.8/5

As one of Georgia's largest credit unions with deep roots in Middle Georgia, Robins Financial Credit Union serves Perry residents with exceptional mortgage products and member-focused service. With multiple branches throughout the region, they offer competitive rates, low fees, and a wide variety of loan programs. Their mortgage team provides personalized guidance through the entire home buying process, and their not-for-profit structure often results in better terms for borrowers. The credit union's long-standing community presence and commitment to member satisfaction make them a trusted mortgage provider.

Experience:68 years
Reviews:400 customer reviews
1409 Watson Boulevard, Warner Robins, GA 31093

Loan Types:

ConventionalFHAVAUSDAHome EquityConstructionRefinance
Visit Website
3

Mortgage Advisor

Security Exchange Bank

★★★★☆
4.7/5

Security Exchange Bank is a well-established community bank serving Perry and the greater Middle Georgia area with a strong reputation for reliable mortgage lending. Their local decision-making process allows for faster approvals and personalized service that larger institutions can't match. The bank offers competitive fixed and adjustable-rate mortgages, construction loans, and specialized programs for both new home purchases and refinancing. With deep community ties and experienced loan officers who understand the local real estate market, they provide the combination of local expertise and financial stability that Perry homebuyers value.

Experience:32 years
Reviews:150 customer reviews
1207 Russell Parkway, Warner Robins, GA 31088

Loan Types:

ConventionalFHAVAConstructionLotRefinance
Visit Website

Frequently Asked Questions

Common questions about mortgage lending in Perry, GA

What are current mortgage rates like for homes in Perry, GA?

Mortgage rates in Perry typically align with national averages but can be influenced by local market conditions. As of recent trends, Perry homebuyers can expect rates slightly below the national average due to Georgia's competitive lending environment and Perry's stable housing market. It's best to check with local lenders for the most current rates specific to Houston County.

Are there any first-time homebuyer programs specific to Perry, GA?

Yes, Perry homebuyers can access Georgia Dream Homeownership Program, which offers down payment assistance and affordable fixed-rate mortgages. Additionally, Houston County may have local grants or assistance programs for first-time buyers. These programs are particularly valuable in Perry's growing market where home prices remain more affordable than metro Atlanta areas.

How does Perry's agricultural zoning affect mortgage lending for rural properties?

Many properties in and around Perry have agricultural zoning, which can impact mortgage options. USDA loans are popular for qualified rural properties in Houston County, offering 100% financing. However, lenders may require additional documentation for properties with acreage or agricultural use, so working with a local lender familiar with Perry's zoning is crucial.

What special considerations should I know about getting a mortgage for Perry's historic district homes?

Purchasing in Perry's historic district may require additional inspections and potentially higher insurance costs, which lenders will factor into your loan approval. Some historic homes might qualify for rehabilitation loans or tax incentives. Local lenders with experience in Perry's historic properties can guide you through the specific requirements and available financing options.

How do property taxes in Perry affect mortgage payments and qualification?

Perry's property taxes in Houston County are relatively moderate compared to national averages, currently around 1.1% of assessed value. Lenders will include these taxes in your debt-to-income ratio calculations, and Perry's stable tax rates make monthly payment forecasting more predictable. Your lender will help you understand how local tax rates impact your overall mortgage affordability.

Nearby Cities

Explore mortgage lenders in cities near Perry, GA

Why Choose a Mortgage Lender in Perry?

Local Market Knowledge

Lenders who understand Perry'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 Perry and get competitive rates on your home loan.