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Harrodsburg, IN

The Best Mortgage Lenders in Harrodsburg, IN

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

3
Top Lenders
4.8
Avg Rating
681+
Reviews
8
Loan Types

Available Loan Programs in Harrodsburg

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer

Featured Mortgage Lenders

1

Centier Bank Mortgage Team

Centier Bank

★★★★☆
4.8/5

As one of Indiana's largest family-owned banks with over a century of service, Centier Bank maintains an exceptional reputation for mortgage lending throughout central Indiana. They serve Harrodsburg residents with personalized service through their nearby Lebanon branch. Their mortgage team consistently receives top marks for competitive rates, local decision-making, and comprehensive loan programs including first-time homebuyer assistance. With deep community roots and numerous local awards for customer service, they provide the stability of a large institution with the personal touch of a community bank.

Experience:127 years
Reviews:285 customer reviews
117 S Main St, Lebanon, IN 46052

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Teachers Credit Union Mortgage Services

Teachers Credit Union

★★★★☆
4.7/5

TCU is one of Indiana's largest credit unions with a strong presence throughout central Indiana, including service to Harrodsburg residents. Their mortgage department receives consistently high ratings for competitive rates, low fees, and exceptional member service. As a not-for-profit financial cooperative, they often offer more favorable terms than traditional banks. Their mortgage specialists provide personalized guidance through the entire home financing process, with particular strength in first-time homebuyer programs and local market expertise across Montgomery and surrounding counties.

Experience:87 years
Reviews:392 customer reviews
Multiple branches including 201 S Lebanon St, Lebanon, IN 46052

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerConstructionRefinance
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3

Ruoff Mortgage Company

Ruoff Mortgage

★★★★☆
4.9/5

Ruoff Mortgage has grown from a local Indiana lender to one of the nation's top mortgage companies while maintaining their Hoosier roots and exceptional service standards. They consistently rank among the highest-rated mortgage lenders in the Midwest with thousands of outstanding reviews praising their efficient process, competitive rates, and knowledgeable loan officers. Despite their growth, they maintain strong service to rural Indiana communities like Harrodsburg, with dedicated teams familiar with local market conditions. Their digital mortgage platform combined with personalized service makes them a top choice for borrowers seeking both technology convenience and human expertise.

Experience:65 years
Reviews:4 customer reviews
320 E Cook Rd, Fort Wayne, IN 46825

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Harrodsburg, IN

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

Mortgage rates in Harrodsburg typically align with national averages but can vary slightly based on local lenders. Currently, rates for 30-year fixed mortgages range between 6.5% and 7.2% depending on credit score and loan type. It's advisable to check with local banks and credit unions like Old National Bank or Teachers Credit Union for the most competitive rates.

Are there any first-time homebuyer programs specific to Harrodsburg or Morgan County?

While Harrodsburg itself doesn't offer city-specific programs, Morgan County homebuyers can access the Indiana Housing and Community Development Authority's (IHCDA) programs. These include the Next Home and My Home programs offering down payment assistance and below-market interest rates for qualifying first-time buyers in Harrodsburg and surrounding areas.

How does Harrodsburg's rural location affect mortgage lending requirements?

Harrodsburg's rural character can impact lending through USDA loan eligibility, as much of Morgan County qualifies for USDA rural development loans requiring no down payment. However, some lenders may require additional documentation for property assessments in rural areas. Appraisals might also consider the limited comparable sales in this smaller market.

What types of properties typically require special mortgage consideration in Harrodsburg?

Older historic homes near downtown Harrodsburg and rural properties with acreage often need special mortgage consideration. Lenders may require additional inspections for historic properties, while farms or homes with significant land may need agricultural or land-use evaluations. Standard conventional loans work best for newer construction in developments like Harrodsburg Meadows.

How long does the mortgage approval process typically take with local Harrodsburg lenders?

The mortgage process with local Harrodsburg lenders typically takes 30-45 days, similar to national timelines. Working with local institutions like Home Bank or People's State Bank can sometimes streamline the process due to their familiarity with Morgan County property records and assessors. During peak buying seasons, adding a few extra days for appraisal scheduling is wise.

Nearby Cities

Explore mortgage lenders in cities near Harrodsburg, IN

Why Choose a Mortgage Lender in Harrodsburg?

Local Market Knowledge

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