The Best Mortgage Lenders in Sharon, GA
Compare verified mortgage lenders serving Sharon, Georgia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Sharon
Featured Mortgage Lenders
Mortgage Specialist
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service and competitive rates, serving Sharon and surrounding areas through its Augusta branch. With over two decades of experience, they specialize in a wide range of loan products and have built a strong reputation for reliability and personalized service. Their high ratings stem from efficient processing, local expertise, and a commitment to community involvement in Georgia.
Loan Types:
Loan Officer
Movement Mortgage
Movement Mortgage is highly regarded for its fast closing times and excellent customer satisfaction, with a strong presence in Georgia that includes service to Sharon. Founded in 2008, they offer a variety of loan options and are praised for their transparent processes and local support. Their community-focused approach and high review scores make them a trusted choice for mortgages in rural and urban areas alike.
Loan Types:
Mortgage Advisor
New American Funding
New American Funding is a reputable lender with over two decades of experience, offering diverse loan products and serving Sharon through its regional offices in Georgia. They are known for competitive rates, strong customer support, and initiatives to help underserved communities. Their high ratings reflect a track record of reliability and adaptability, making them a top choice for homebuyers in the area.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Sharon, GA
What are the current mortgage rates like for homes in Sharon, GA?
Mortgage rates in Sharon typically align with national averages but can be slightly lower due to the rural nature of the area and lower property values. As of late 2023, you might find conventional 30-year fixed rates around 6.5-7%, but it's best to check with local lenders like Queensborough National Bank & Trust or local credit unions for the most current Sharon-specific rates.
Are there any first-time homebuyer programs specifically available in Sharon?
Yes, Sharon homebuyers can access Georgia's statewide Dream Forgivable Mortgage program, which offers down payment assistance. Additionally, the Georgia Department of Community Affairs offers the CHOICE program, which is particularly beneficial in smaller communities like Sharon where affordable housing is important. Local lenders can help you determine eligibility for these programs.
How does Sharon's rural location affect the mortgage process?
Sharon's rural classification can actually work to your advantage through USDA loans, which offer 100% financing with no down payment required for eligible properties and borrowers. However, you may encounter more stringent appraisal requirements since comparable properties in this small market can be limited, which might slightly extend the closing timeline.
What special considerations should I know about when getting a mortgage for older homes in Sharon?
Many homes in Sharon's historic districts or older residential areas may require additional inspections for structural integrity, plumbing, and electrical systems. Lenders might require specific repairs to meet lending standards, so it's wise to budget extra for potential renovation costs and consider renovation loans like the FHA 203(k) if needed.
Are property taxes in Sharon typically included in mortgage escrow accounts?
Yes, most lenders will include Taliaferro County property taxes in your escrow account, with annual taxes typically ranging from $800-$1,200 for median-priced homes in Sharon. The relatively low tax burden in this area helps keep overall monthly mortgage payments more affordable compared to urban areas in Georgia.
Why Choose a Mortgage Lender in Sharon?
Local Market Knowledge
Lenders who understand Sharon'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 Sharon and get competitive rates on your home loan.