The Best Mortgage Lenders in Huntington, MA
Compare verified mortgage lenders serving Huntington, Massachusetts. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huntington
Featured Mortgage Lenders
Michael D. O'Connor
Freedom Credit Union
Freedom Credit Union stands out as one of Western Massachusetts' most trusted mortgage lenders with over a century of service. While headquartered in Springfield, they actively serve the entire Pioneer Valley region including Huntington. Their exceptional 4.8 rating reflects consistently outstanding customer service, competitive rates, and personalized mortgage solutions. As a member-owned cooperative, they prioritize member satisfaction over profits, offering comprehensive mortgage options with local underwriting and decision-making. Their experienced loan officers provide guided support throughout the entire home buying process, making them particularly valuable for first-time homebuyers in rural communities like Huntington.
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John R. Miller
Baystate Mortgage Corp
Baystate Mortgage Corp has built an exceptional reputation throughout Western Massachusetts since 1990, specifically serving smaller communities like Huntington with specialized rural lending expertise. Their 4.7 rating stems from deep local market knowledge and their ability to navigate unique property situations common in the Hilltowns. They excel in USDA rural development loans, which are particularly relevant for Huntington homebuyers, and offer competitive construction and renovation financing options. Their team of experienced loan officers provides personalized service with local processing and underwriting, ensuring smooth transactions for buyers in more remote areas of Hampshire County.
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Sarah J. Thompson
Guaranteed Rate
Guaranteed Rate brings national lending power with strong local presence through their Springfield office, which actively serves the Huntington area. Their 4.6 rating reflects excellent customer satisfaction with their digital mortgage platform combined with personalized local service. They offer particularly competitive rates and a wide variety of loan products, including specialized programs for Massachusetts homebuyers. Their hybrid approach combines technology efficiency with experienced local loan officers who understand the nuances of Western Massachusetts real estate. This makes them an ideal choice for Huntington residents seeking modern mortgage solutions with local expertise and competitive pricing.
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Frequently Asked Questions
Common questions about mortgage lending in Huntington, MA
What are the current average mortgage rates for homebuyers in Huntington, MA?
Mortgage rates in Huntington typically align with national averages but can be influenced by local market conditions. As of late 2024, 30-year fixed rates in the Huntington area generally range from 6.5% to 7.2%, though rural properties may see slightly higher rates. It's best to check with local lenders who understand the Pioneer Valley market for the most accurate, current rates.
Are there any special mortgage programs for first-time homebuyers in Huntington?
Yes, Huntington homebuyers can access Massachusetts' One Mortgage program, which offers low down payments (as little as 3%) and more flexible credit requirements. Additionally, the MassHousing loan program provides competitive rates and down payment assistance that's particularly helpful in Huntington's affordable housing market. These programs are especially valuable given Huntington's median home prices.
How does Huntington's rural location affect the mortgage process?
Huntington's rural character can impact appraisals and property eligibility, as some lenders have specific requirements for rural properties. You may need to work with appraisers familiar with the Hilltowns area to ensure proper valuation. Additionally, USDA loans are worth exploring since Huntington qualifies for these zero-down-payment rural development loans.
What local costs should I budget for when getting a mortgage in Huntington?
Beyond standard closing costs, Huntington homebuyers should budget for specific local expenses including title insurance reflecting the town's recording fees, a septic system inspection (common in rural Huntington), and potentially a well water test. Property taxes in Huntington are currently around $16.50 per $1,000 of assessed value, which is moderate for Hampshire County.
Are there any city-specific mortgage considerations for Huntington's older homes?
Yes, many Huntington homes were built before 1978, so FHA 203(k) renovation loans can be valuable for updating older properties while keeping them affordable. Lenders may require additional inspections for older homes, particularly checking for knob-and-tube wiring or outdated heating systems common in the area. Working with local lenders experienced with Huntington's historic housing stock is recommended.
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 Massachusetts.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Huntington and get competitive rates on your home loan.