The Best Mortgage Lenders in Resaca, GA
Compare verified mortgage lenders serving Resaca, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Resaca
Featured Mortgage Lenders
Sharon L. Caylor
Caylor Mortgage
Caylor Mortgage is a highly respected local mortgage broker serving Northwest Georgia, including Resaca, for over two decades. With exceptional 4.9-star ratings across multiple platforms, they're known for personalized service and expertise in all loan types. Sharon Caylor and her team have built a stellar reputation for guiding clients through the mortgage process with transparency and competitive rates. Their deep local market knowledge and commitment to customer satisfaction make them a top choice for Resaca area homebuyers.
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Chris Hice
Hice Mortgage
Hice Mortgage has been serving the Northwest Georgia region, including Resaca, with exceptional mortgage services since 2004. With consistently high ratings and numerous positive reviews, they specialize in making the mortgage process straightforward and stress-free. Chris Hice and his team are particularly praised for their expertise with VA and FHA loans, competitive rates, and excellent communication throughout the lending process. Their local presence and community involvement make them a trusted choice for Resaca residents.
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Regional Mortgage Services
LGE Community Credit Union
While headquartered in Marietta, LGE Community Credit Union has a strong presence throughout Northwest Georgia and actively serves Resaca residents. As a member-owned financial institution with decades of experience, they offer competitive mortgage rates and personalized service. Their mortgage team receives high marks for transparency, flexible loan options, and commitment to member satisfaction. LGE's digital mortgage application process combined with local decision-making makes them an excellent choice for Resaca homebuyers seeking both convenience and community-focused service.
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Frequently Asked Questions
Common questions about mortgage lending in Resaca, GA
What are current mortgage rates like for homes in Resaca, GA?
Mortgage rates in Resaca typically align with national averages but can vary based on property type and location within Gordon County. Currently, rates for 30-year fixed mortgages range from 6.5% to 7.25% depending on credit score and loan terms. Local lenders familiar with Resaca's rural character may offer competitive rates for properties with larger land parcels.
Are there any first-time homebuyer programs specific to Resaca or Gordon County?
Yes, the Georgia Dream Homeownership Program is available to Resaca buyers, offering down payment assistance and affordable fixed-rate mortgages. Gordon County also participates in USDA Rural Development loans, which are particularly beneficial for Resaca's qualifying rural areas with 100% financing options and no down payment requirements for eligible borrowers.
How does Resaca's rural location affect the mortgage approval process?
Resaca's rural classification can impact appraisals, as comparable properties may be farther apart, requiring appraisers with local expertise. USDA loans are widely used here due to the area's rural designation, but conventional loans may require additional documentation for properties with well and septic systems, which are common in Resaca.
What special considerations should I know about when getting a mortgage for a Resaca property with land?
Properties with significant acreage in Resaca may require specialized lending, as many conventional lenders have restrictions on land size. You'll likely need a rural or agricultural lender if purchasing more than 10 acres, and the appraisal must properly account for the land value, which can differ significantly from urban property valuations.
Are property taxes in Resaca typically included in mortgage escrow accounts?
Yes, most lenders include Gordon County property taxes in escrow accounts for Resaca properties. Gordon County's property tax rates are relatively moderate compared to urban Georgia areas, currently around 0.95% of assessed value. Your lender will calculate these payments based on the specific property's assessment and include them in your monthly mortgage payment.
Why Choose a Mortgage Lender in Resaca?
Local Market Knowledge
Lenders who understand Resaca'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 Resaca and get competitive rates on your home loan.