The Best Mortgage Lenders in Harris, MN
Compare verified mortgage lenders serving Harris, Minnesota. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harris
Featured Mortgage Lenders
CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage has established itself as one of Minnesota's top mortgage lenders with exceptional customer satisfaction ratings. They serve the entire Twin Cities metropolitan area including Harris, offering personalized service and competitive rates. Their team specializes in both purchase and refinance loans with extensive experience in rural and suburban properties. With nearly 20 years of operation and hundreds of positive reviews, they're known for their responsive communication and smooth closing processes.
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Wings Financial Credit Union
Wings Financial Credit Union
As Minnesota's largest credit union, Wings Financial has been serving the Twin Cities region including Harris for over eight decades. They offer highly competitive mortgage rates to members and are particularly strong in customer service and local market knowledge. Their mortgage specialists understand the unique needs of Harris area homeowners, offering both traditional and specialized loan products. With nearly 200 positive reviews and deep community roots, they provide exceptional value and personalized attention throughout the mortgage process.
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The Mortgage Company
The Mortgage Company
The Mortgage Company, located in nearby Forest Lake, has built an outstanding reputation serving the north metro Twin Cities area including Harris. With over 25 years of experience and nearly 130 excellent reviews, they specialize in providing customized mortgage solutions for both urban and rural properties. Their team excels at navigating complex loan scenarios while maintaining competitive rates and exceptional customer service. They're particularly known for their expertise in USDA and rural development loans, making them an ideal choice for Harris area homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Harris, MN
What are the current mortgage rates like for homes in Harris, MN?
Mortgage rates in Harris typically align with national averages but can be influenced by local market conditions. Currently, rates for 30-year fixed mortgages in the area range from 6.5% to 7.25%, depending on credit score and loan type. It's advisable to check with local lenders who understand Harris's rural market dynamics for the most accurate rates.
Are there any first-time homebuyer programs specific to Harris, MN?
Yes, Harris homebuyers can access Minnesota Housing's First-Time Home Buyer Program, which offers competitive interest rates and down payment assistance. Additionally, Chisago County may have local assistance programs for moderate-income buyers. These programs are particularly valuable in Harris where housing inventory can be limited.
How does Harris's rural location affect the mortgage process?
Harris's rural setting can impact appraisals since comparable properties may be farther apart, potentially requiring specialized rural appraisers. Some lenders may have specific requirements for properties with wells and septic systems, which are common in Harris. USDA loans are particularly popular here due to the area's rural designation.
What types of properties typically require special mortgage consideration in Harris?
Older farmhouses, properties with acreage, and homes with unique features common in Harris often require specialized lending approaches. Lenders may require additional inspections for properties with outbuildings or agricultural potential. Manufactured homes on owned land are also common and have specific financing requirements.
Are there any local property tax considerations that affect mortgages in Harris?
Harris homeowners benefit from Minnesota's property tax classification system, which typically results in lower rates for primary residences compared to investment properties. Chisago County's current effective tax rate ranges from 1.0% to 1.3% of home value, which lenders factor into debt-to-income calculations. Agricultural classification may apply to properties with sufficient acreage, potentially lowering tax burdens.
Nearby Cities
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Why Choose a Mortgage Lender in Harris?
Local Market Knowledge
Lenders who understand Harris'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 Minnesota.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Harris and get competitive rates on your home loan.