The Best Mortgage Lenders in Huntington, IN
Compare verified mortgage lenders serving Huntington, Indiana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huntington
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in Indiana, serving Huntington and surrounding areas. Known for its competitive rates and digital-first approach, the company has earned high customer satisfaction scores for its efficient online application process and personalized service. With over two decades of experience, they offer a wide range of loan products and are praised for their transparency and quick closing times, making them a reliable choice for homebuyers in the region.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly regarded lender with a regional office in Fort Wayne that actively serves Huntington, IN. They are celebrated for their exceptional customer service, community involvement, and streamlined loan processes. With a focus on making homeownership accessible, they offer various loan options and have a reputation for responsive communication and support throughout the mortgage journey. Their high ratings reflect consistent customer satisfaction and reliability.
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Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with a strong Indiana presence, providing services to Huntington residents. They are known for their competitive rates, extensive loan options, and dedicated local loan officers who offer personalized guidance. With nearly three decades in business, they have built a reputation for integrity, efficiency, and high customer satisfaction, often highlighted in reviews for their smooth closing processes and expert advice.
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Frequently Asked Questions
Common questions about mortgage lending in Huntington, IN
What are the current average mortgage rates for homebuyers in Huntington, IN?
Mortgage rates in Huntington typically align with national averages but can be slightly lower due to the area's lower cost of living and competitive local lenders. As of late 2023, 30-year fixed rates in Huntington generally range between 6.5-7%, but it's best to check with local credit unions like Horizon Bank or 3Rivers Credit Union for the most current offers. Rates can vary based on credit score, loan type, and down payment amount.
Are there any first-time homebuyer programs specifically available in Huntington?
Yes, Huntington homebuyers can access Indiana's statewide programs like the IHCDA My Home program, which offers down payment assistance and competitive rates. Additionally, local lenders often have special first-time buyer products with lower down payment requirements. The Huntington County Community Development Corporation may also offer local grants or counseling services for qualified buyers.
How does Huntington's stable but slower-growing housing market affect mortgage approval and home values?
Huntington's steady housing market means appraisals tend to be reliable and home values appreciate gradually, which lenders view favorably. This stability can make mortgage approval somewhat easier than in volatile markets, as lenders have confidence in property values. However, you'll still need to demonstrate solid income and credit history to qualify for the best rates.
What unique closing costs should I expect when getting a mortgage in Huntington County?
Beyond standard closing costs, Huntington County homebuyers should budget for local transfer taxes, recording fees, and title insurance specific to Indiana. Huntington County typically charges around $0.55 per $500 of sale price for transfer tax, plus standard recording fees. Your lender should provide a detailed Loan Estimate outlining all Huntington-specific costs early in the process.
Are USDA rural housing loans available in the Huntington area given its location between Fort Wayne and smaller communities?
Yes, much of Huntington County qualifies for USDA rural development loans, which offer 100% financing with no down payment. Properties within Huntington city limits may not qualify, but many surrounding areas in Huntington County do. Check the USDA eligibility map specifically for your target property, as this can be an excellent option for eligible buyers in the county.
Why Choose a Mortgage Lender in Huntington?
Local Market Knowledge
Lenders who understand Huntington'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 Huntington and get competitive rates on your home loan.