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Celestine, IN

The Best Mortgage Lenders in Celestine, IN

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

3
Top Lenders
4.7
Avg Rating
470+
Reviews
10
Loan Types

Available Loan Programs in Celestine

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Home Equity
Construction-to-Permanent

Featured Mortgage Lenders

1

German American Bank Mortgage Team

German American Bank

★★★★☆
4.8/5

German American Bank has been serving southern Indiana communities for over a century with deep roots in Dubois County where Celestine is located. They maintain exceptional 4.8-star ratings across multiple review platforms for their personalized mortgage services and competitive rates. As a community-focused bank with multiple branches throughout the region, they offer the advantage of local decision-making and relationship-based lending. Their mortgage specialists are known for guiding clients through the entire home financing process with expertise in rural property loans, which is particularly valuable for Celestine area homebuyers.

Experience:25 years
Reviews:150 customer reviews
711 Main Street, Jasper, IN 47546

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Old National Bank Mortgage Division

Old National Bank

★★★★☆
4.7/5

Old National Bank has a strong presence throughout southern Indiana and specifically serves the Dubois County area including Celestine. With nearly two centuries of banking experience, they've built a reputation for reliable mortgage lending and excellent customer service. They consistently receive high marks for their competitive rates, smooth closing processes, and knowledgeable loan officers who understand the local real estate market. Their extensive branch network throughout Indiana provides convenient access for Celestine residents, and they offer specialized programs for rural homebuyers that are particularly relevant to the area.

Experience:20+ years
Reviews:200 customer reviews
401 Main Street, Evansville, IN 47708

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceHome Equity
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3

First Financial Bank Mortgage Services

First Financial Bank

★★★★☆
4.6/5

First Financial Bank maintains a strong local presence in Jasper, just minutes from Celestine, and has been serving the Dubois County community for generations. They receive consistently high ratings for their mortgage services, particularly praised for their responsiveness and attention to detail throughout the loan process. Their local loan officers have extensive knowledge of the southern Indiana housing market and offer specialized expertise in rural property financing. The bank is known for its community commitment and offers various first-time homebuyer programs that are accessible to Celestine residents seeking affordable financing options.

Experience:15+ years
Reviews:120 customer reviews
201 3rd Street, Jasper, IN 47546

Loan Types:

ConventionalFHAVAUSDAConstruction-to-PermanentRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Celestine, IN

What are the current mortgage rates like for homes in Celestine, IN?

Mortgage rates in Celestine are generally competitive with national averages, but can be influenced by local lenders like German American Bank and Old National Bank. For the most accurate rate, it's best to get pre-approved with a local lender who understands the Dubois County market, as rates can vary based on your credit profile and loan type.

Are there any first-time homebuyer programs specific to Celestine or Dubois County?

Yes, the Indiana Housing and Community Development Authority (IHCDA) offers programs like the Next Home and My Home programs, which are accessible to Celestine residents. These programs provide down payment assistance and affordable fixed-rate mortgages, which can be particularly helpful in Dubois County's growing market.

How does Celestine's rural location affect the mortgage process?

Celestine's rural setting may require additional steps, such as ensuring the property has access to utilities like water and septic systems, which can impact loan eligibility. USDA loans are a popular option here, offering 100% financing for eligible buyers in this designated rural area, making homeownership more accessible.

What types of properties are common in Celestine, and how do they impact loan choices?

Celestine features a mix of single-family homes, older farmhouses, and newer constructions. For older homes, an FHA 203(k) loan might be beneficial to finance renovations, while conventional loans are common for newer properties. It's important to work with a lender familiar with appraising rural and older properties in Dubois County.

Are there local property tax considerations in Celestine that I should know about before getting a mortgage?

Yes, Dubois County property taxes are relatively moderate compared to urban areas, but it's important to factor them into your monthly mortgage payment through an escrow account. You can check the Dubois County Assessor's office for specific tax rates and any potential exemptions, such as homestead credits, which can affect your overall housing costs.

Nearby Cities

Explore mortgage lenders in cities near Celestine, IN

Why Choose a Mortgage Lender in Celestine?

Local Market Knowledge

Lenders who understand Celestine'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 Indiana.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Celestine and get competitive rates on your home loan.