The Best Mortgage Lenders in Buckeye, IA
Compare verified mortgage lenders serving Buckeye, Iowa. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Buckeye
Featured Mortgage Lenders
Iowa State Bank and Trust Company
Iowa State Bank and Trust Company
Iowa State Bank and Trust Company is a highly-rated community bank with deep roots in Eastern Iowa, serving Buckeye and surrounding communities for over a century. They offer personalized mortgage services with local decision-making, competitive rates, and expertise in rural and agricultural lending. Their long-standing presence in the region ensures they understand the unique needs of Buckeye area homebuyers, with experienced loan officers who provide one-on-one guidance through the entire mortgage process.
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Bank Iowa
Bank Iowa
Bank Iowa has been serving communities throughout Iowa for decades, including the Buckeye area through their Oelwein location. They offer a comprehensive range of mortgage products with competitive rates and specialize in both residential and agricultural property financing. Their local loan officers provide personalized service with quick response times and deep understanding of rural Iowa real estate markets. Bank Iowa is known for their community involvement and commitment to supporting local homebuyers.
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Iowa Mortgage Professionals
Iowa Mortgage Professionals, LLC
Iowa Mortgage Professionals is a highly-rated mortgage brokerage serving the entire state of Iowa, including Buckeye and surrounding rural communities. They work with multiple lenders to find the best rates and terms for each client's unique situation. Their team of experienced mortgage professionals specializes in rural and small-town financing, with particular expertise in USDA and FHA loans that benefit buyers in communities like Buckeye. They're known for exceptional customer service and their ability to navigate complex financing scenarios.
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Frequently Asked Questions
Common questions about mortgage lending in Buckeye, IA
What are current mortgage rates like for homes in Buckeye, Iowa?
Mortgage rates in Buckeye typically align with national averages but can vary based on local lenders and property types. Currently, 30-year fixed rates range between 6.5-7% for qualified buyers in Hardin County. It's best to compare offers from local credit unions like Iowa Falls State Bank alongside national lenders for the most competitive rates.
Are there any first-time homebuyer programs specific to Buckeye or Hardin County?
Yes, the Iowa Finance Authority offers several statewide programs accessible to Buckeye residents, including the FirstHome program with below-market interest rates and down payment assistance. Additionally, some local lenders may offer special programs for teachers, healthcare workers, or agricultural professionals common in the Buckeye area.
How does Buckeye's rural location affect the mortgage process?
Buckeye's rural setting can impact appraisals since comparable properties may be limited, potentially requiring appraisers to look at nearby towns like Iowa Falls or Alden. USDA loans are particularly advantageous here, offering 100% financing for eligible properties in this designated rural area, which covers most of Hardin County.
What should I know about property taxes when getting a mortgage in Buckeye?
Hardin County property taxes are relatively moderate compared to urban Iowa areas, currently around 1.3-1.5% of assessed value. Your lender will factor these into your monthly escrow payments, and it's important to note that agricultural land assessments differ significantly from residential properties in this farming community.
Are there any local considerations for manufactured homes in Buckeye's mortgage market?
Yes, manufactured homes are common in Buckeye but require specific financing. You'll need a permanent foundation and the home must be classified as real property, not personal. Local lenders familiar with Hardin County's housing stock often have more flexible guidelines for manufactured homes than national lenders might offer.
Why Choose a Mortgage Lender in Buckeye?
Local Market Knowledge
Lenders who understand Buckeye'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 Iowa.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Buckeye and get competitive rates on your home loan.