The Best Mortgage Lenders in Hartland, MN
Compare verified mortgage lenders serving Hartland, Minnesota. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hartland
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in Minnesota, known for its digital-first approach and competitive rates. Founded in 2000, it has built a reputation for excellent customer service, fast closings, and a wide range of loan products. With high ratings from thousands of customers, it serves Hartland through its regional offices and online platforms, offering personalized service and expertise in both purchase and refinance loans. Their commitment to technology and customer satisfaction makes them a preferred choice for homebuyers in the area.
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New American Funding
New American Funding, LLC
New American Funding is a highly-rated mortgage lender that has been serving Minnesota communities since 2003, including Hartland. They are praised for their diverse loan options, including programs for first-time homebuyers and underserved communities, with a focus on competitive rates and exceptional customer support. With over two decades of experience, they have a strong track record of reliability and community involvement, backed by hundreds of positive reviews highlighting their responsive service and efficient loan processing.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage is a reputable national lender with a significant regional presence in Minnesota, offering comprehensive mortgage solutions to Hartland residents. Founded in 2003, they are known for their personalized service, extensive loan portfolio, and competitive pricing. With a focus on building long-term client relationships, they have accumulated strong customer reviews for their transparency, expertise, and support throughout the home buying process. Their local team ensures tailored advice and timely closings, making them a trusted option in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Hartland, MN
What are the current mortgage rates like for homes in Hartland, MN?
Mortgage rates in Hartland are generally competitive with national averages, but local lenders may offer slight variations. As a rural community, some lenders might provide specialized agricultural or rural housing loans with favorable terms. It's best to check with local credit unions like Sterling State Bank or regional banks for the most current Hartland-specific rate information.
Are there any first-time homebuyer programs specific to Hartland?
While Hartland itself doesn't offer city-specific programs, Minnesota Housing has excellent first-time buyer programs available to Hartland residents. These include down payment assistance and competitive interest rates. Additionally, some local lenders may offer special programs for buyers in this rural community, particularly for those purchasing their first home in Freeborn County.
How does Hartland's rural location affect mortgage lending options?
Hartland's rural status can actually benefit borrowers through USDA Rural Development loans, which offer 100% financing with no down payment required. Many properties in and around Hartland qualify for these programs. Local lenders are familiar with agricultural property considerations and may offer more flexible underwriting for rural properties than urban-focused lenders.
What should I know about property taxes when getting a mortgage in Hartland?
Hartland property taxes are generally lower than metro areas, typically ranging from 1.0% to 1.3% of home value. Your lender will factor in Freeborn County's tax rates when calculating your monthly mortgage payment. It's important to note that agricultural properties may have different tax classifications that could affect your overall housing costs.
Are there local lenders in Hartland who understand the unique aspects of rural property mortgages?
Yes, several local financial institutions serve Hartland specifically and understand rural property considerations. Sterling State Bank has deep roots in the community and understands local property values, well and septic systems, and agricultural land considerations. Working with these local lenders can provide advantages in understanding Hartland's specific market dynamics and property types.
Nearby Cities
Explore mortgage lenders in cities near Hartland, MN
Why Choose a Mortgage Lender in Hartland?
Local Market Knowledge
Lenders who understand Hartland'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 Hartland and get competitive rates on your home loan.