The Best Mortgage Lenders in Harrisville, MS
Compare verified mortgage lenders serving Harrisville, Mississippi. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harrisville
Featured Mortgage Lenders
Mortgage Associates of Mississippi
Mortgage Associates of Mississippi
Mortgage Associates of Mississippi is a highly-rated local mortgage broker serving Harrisville and surrounding areas with over two decades of experience. They specialize in personalized service and have built a strong reputation for competitive rates and flexible loan options. Their team of experienced loan officers provides comprehensive guidance through the entire mortgage process, with particular expertise in rural housing loans that benefit Harrisville residents. The company maintains excellent customer satisfaction ratings and is known for their responsive communication and local market knowledge.
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Trustmark National Bank Mortgage
Trustmark National Bank
As one of Mississippi's oldest and most established financial institutions, Trustmark National Bank has served Harrisville and rural Mississippi communities for generations. Their mortgage division offers competitive rates and a wide range of loan products, with special expertise in rural property financing. With multiple branches throughout the region and dedicated mortgage specialists, they provide comprehensive local underwriting and personalized service. Trustmark's long-standing community presence and commitment to Mississippi homeowners make them a top choice for Harrisville residents seeking reliable mortgage services.
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Magnolia State Mortgage
Magnolia State Mortgage
Magnolia State Mortgage is a respected local mortgage lender that consistently receives high marks for customer service and competitive pricing. Serving Harrisville and throughout Mississippi, they specialize in helping borrowers navigate the unique aspects of rural property financing. Their team of experienced loan officers provides personalized attention and thorough guidance through the entire mortgage process. The company is particularly noted for their expertise with USDA rural development loans and first-time homebuyer programs, making them an excellent choice for Harrisville residents seeking local expertise with a personal touch.
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Frequently Asked Questions
Common questions about mortgage lending in Harrisville, MS
What are the current mortgage rates like for homes in Harrisville, MS?
Mortgage rates in Harrisville are generally competitive with national averages, but local lenders may offer slightly lower rates due to the area's lower cost of living and property values. It's wise to compare offers from both local credit unions like Bank of Holly Springs and larger regional banks, as they may have special promotions for rural Mississippi homebuyers. Rates can vary based on credit score and loan type, so getting pre-approved locally is your best first step.
Are there any first-time homebuyer programs specifically available in Harrisville?
Yes, Harrisville homebuyers can access the Mississippi Home Corporation's Mortgage Credit Certificate program, which provides a federal tax credit for a portion of mortgage interest paid. Additionally, local lenders often participate in USDA Rural Development loans, which offer 100% financing for eligible properties in Harrisville's rural areas. These programs are particularly valuable given Harrisville's affordable housing market.
How does Harrisville's rural location affect my mortgage options?
Harrisville's designation as a rural community opens up valuable USDA loan opportunities that aren't available in urban areas. Many properties qualify for USDA Rural Development loans requiring no down payment, which is especially beneficial given the area's median income levels. However, you'll want to verify property eligibility early in your search, as not all parcels in the Harrisville area qualify for these programs.
What should I know about property taxes when getting a mortgage in Harrisville?
Attala County, where Harrisville is located, has relatively low property tax rates compared to national averages, typically around 0.6-0.8% of assessed value. Your lender will include these taxes in your monthly mortgage payment through an escrow account. It's important to note that while taxes are low, insurance costs might be slightly higher due to the rural location and distance from fire stations.
Are there any local down payment assistance programs for Harrisville homebuyers?
While Harrisville itself doesn't offer city-specific programs, homebuyers can access Mississippi's statewide down payment assistance through the Mississippi Home Corporation. These programs provide up to $6,000 in assistance for eligible buyers, which can be particularly helpful in Harrisville's market where median home prices are below state averages. Local lenders are well-versed in these programs and can guide you through the application process.
Why Choose a Mortgage Lender in Harrisville?
Local Market Knowledge
Lenders who understand Harrisville'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 Mississippi.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Harrisville and get competitive rates on your home loan.