The Best Mortgage Lenders in Athens, LA
Compare verified mortgage lenders serving Athens, Louisiana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Athens
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender with a strong presence in North Louisiana, serving Athens and surrounding areas. Known for exceptional customer service and competitive rates, they have a 4.8-star rating from 182 reviews, highlighting their efficiency in loan processing and personalized guidance. Founded in 1996, they offer a wide range of loan products, including government-backed options, and are praised for their local expertise and commitment to community involvement. Their Shreveport office ensures accessible service for Athens residents, with a reputation for closing loans quickly and transparently.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly regarded lender with a significant regional footprint in Louisiana, including service to Athens. With a 4.7-star rating from 195 reviews, they excel in providing fast, reliable mortgage solutions and are particularly noted for their first-time homebuyer programs and digital convenience. Founded in 2008, they bring 16 years of experience, emphasizing community support and competitive rates. Their Lafayette office serves as a hub for Central and North Louisiana, offering personalized service and a streamlined application process that residents of Athens can easily access.
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Supreme Lending
Supreme Lending, A Division of Supreme Lending, Inc.
Supreme Lending is a reputable mortgage provider with over two decades of experience, serving Athens and broader Louisiana from their Baton Rouge office. They boast a 4.6-star rating from 175 reviews, reflecting their dedication to customer satisfaction, flexible loan options, and expert advice. Founded in 1999, they offer comprehensive services, including construction and refinance loans, and are known for their strong local relationships and adherence to ethical lending practices. Their regional presence ensures that Athens residents receive attentive, reliable support throughout the home financing process.
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Frequently Asked Questions
Common questions about mortgage lending in Athens, LA
What are the current average mortgage rates for homebuyers in Athens, LA?
Mortgage rates in Athens typically align with national averages but can vary based on local lenders and property types. As of recent data, 30-year fixed rates in the area generally range from 6.5% to 7.25%, though rural properties may see slightly higher rates. It's best to check with local credit unions like Sabine State Bank for the most current Athens-specific rates.
Are there any special mortgage programs for first-time homebuyers in Athens?
Yes, Athens homebuyers can access Louisiana's Hardest Hit Fund program and the Market Rate GNMA program, which offer down payment assistance and competitive rates. Additionally, the Louisiana Housing Corporation provides first-time buyer programs with below-market interest rates that are particularly beneficial in Athens' affordable housing market.
How does Athens' rural location affect mortgage lending requirements?
Athens' rural classification can work to your advantage through USDA loans, which offer 100% financing with no down payment required for eligible properties. However, some conventional lenders may require additional property inspections and have stricter appraisal requirements due to the area's rural character and comparable sales data limitations.
What should I know about property taxes when getting a mortgage in Athens?
Claiborne Parish, where Athens is located, has relatively low property tax rates compared to urban Louisiana areas, currently around 0.45% of assessed value. Your mortgage lender will typically escrow for these taxes, but it's important to factor in that rural properties may have different assessment methods than urban homes.
Are there local down payment assistance programs specifically for Athens residents?
While Athens itself doesn't have city-specific programs, Claiborne Parish residents can access the Louisiana Housing Corporation's down payment assistance programs, which provide up to $8,000 in soft-second mortgages. Local lenders like Community Trust Bank often have relationships with these programs and can help Athens buyers navigate the application process.
Why Choose a Mortgage Lender in Athens?
Local Market Knowledge
Lenders who understand Athens'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 Louisiana.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Athens and get competitive rates on your home loan.