The Best Mortgage Lenders in Screven, GA
Compare verified mortgage lenders serving Screven, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Screven
Featured Mortgage Lenders
Georgia Southern Federal Credit Union Mortgage Team
Georgia Southern Federal Credit Union
Georgia Southern Federal Credit Union is one of the most highly-rated mortgage lenders serving the Screven area, with exceptional customer satisfaction ratings and deep community roots throughout Southeast Georgia. As a member-owned financial cooperative, they offer competitive rates and personalized service with local decision-making. Their mortgage team specializes in rural and agricultural property financing, making them an ideal choice for Screven County residents. With multiple branches throughout the region and digital mortgage capabilities, they provide both convenience and local expertise.
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Morris Bank Mortgage Division
Morris Bank
Morris Bank has built an outstanding reputation throughout Southeast Georgia with their community-focused approach to mortgage lending. They maintain a strong presence in Screven County and surrounding areas, offering local underwriting and personalized service that larger national lenders can't match. Their mortgage specialists are known for guiding borrowers through the entire process with exceptional attention to detail. The bank consistently receives high marks for competitive rates, transparent fee structures, and their expertise with agricultural and rural property financing common in the Screven area.
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Guild Mortgage - Statesboro Branch
Guild Mortgage Company
Guild Mortgage's Statesboro branch serves the Screven area with exceptional expertise and consistently earns top ratings for customer satisfaction. As a nationwide lender with strong local presence, they combine the resources of a large mortgage company with personalized, local service. Their loan officers have extensive experience with the unique property types and financing needs of Southeast Georgia communities. Guild is particularly noted for their efficient processing, competitive rates for first-time homebuyers, and specialized programs for military families and rural properties, making them an excellent choice for Screven County residents.
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Frequently Asked Questions
Common questions about mortgage lending in Screven, GA
What are current mortgage rates like in Screven, GA compared to the national average?
Mortgage rates in Screven typically run slightly below national averages due to the rural nature of the area and lower cost of living. Currently, 30-year fixed rates in Screven range from 6.25% to 6.75% for qualified buyers, though rates can vary based on individual credit profiles and loan types specific to Georgia's housing market.
Are there any special mortgage programs for first-time homebuyers in Screven?
Yes, Screven County homebuyers can access the Georgia Dream Homeownership Program, which offers competitive interest rates, down payment assistance, and closing cost help. Additionally, USDA loans are particularly relevant in Screven's rural areas, offering 100% financing with no down payment required for eligible borrowers in designated rural zones.
How does Screven's rural location affect mortgage lending options?
Screven's rural designation makes USDA loans widely available, which is a significant advantage for buyers with moderate incomes. Many properties in and around Screven qualify for USDA financing, allowing eligible buyers to purchase with no down payment. Local lenders are also familiar with agricultural and rural property valuations that might differ from urban areas.
What should I know about property taxes when getting a mortgage in Screven?
Screven County has relatively low property tax rates compared to urban Georgia areas, currently around 0.92% of assessed value. When calculating your mortgage payment, lenders will typically estimate annual taxes between $900-$1,500 for median-priced homes in the area. First-time buyers should note Georgia offers various homestead exemptions that can further reduce tax burdens.
Are there local down payment assistance programs specific to Screven homebuyers?
Beyond state programs, Screven County occasionally partners with organizations like the Sylvania-Screven County Development Authority to offer localized assistance. Some local lenders also provide special programs for teachers, healthcare workers, and other essential service employees working in the county. It's worth checking with Screven County lenders about any current community-specific initiatives.
Why Choose a Mortgage Lender in Screven?
Local Market Knowledge
Lenders who understand Screven'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 Screven and get competitive rates on your home loan.