The Best Mortgage Lenders in Lakeville, NY
Compare verified mortgage lenders serving Lakeville, New York. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Lakeville
Featured Mortgage Lenders
Christopher Zaleski
NRL Mortgage
NRL Mortgage is a highly-rated regional mortgage lender with strong presence throughout the Finger Lakes region, including Livingston County where Lakeville is located. Christopher Zaleski and his team have built an exceptional reputation for personalized service and competitive rates. They specialize in both purchase and refinance loans with particular expertise in rural properties common in the Lakeville area. Their high customer satisfaction ratings stem from transparent communication, streamlined processes, and local market knowledge that benefits Lakeville homebuyers.
Loan Types:
Michael O'Connor
Premium Mortgage Corp.
Premium Mortgage has been serving Western New York communities for over 25 years with a strong focus on the Rochester metropolitan area and surrounding counties including Livingston County. They have extensive experience with rural properties and agricultural areas like Lakeville. The company is known for competitive rates, flexible loan programs, and exceptional customer service. Their local processing and underwriting teams provide faster turnaround times than many national lenders, making them a top choice for Lakeville residents seeking personalized mortgage solutions.
Loan Types:
ESL Federal Credit Union Mortgage Department
ESL Federal Credit Union
As one of the largest credit unions in the Rochester region, ESL Federal Credit Union has been serving members throughout the Finger Lakes area for over a century. They have a dedicated mortgage division with experienced loan officers who understand the unique aspects of purchasing property in rural communities like Lakeville. ESL offers competitive rates to members, exceptional customer service, and a full range of mortgage products. Their strong community presence and member-focused approach make them a trusted choice for Lakeville homebuyers seeking reliable financing with local decision-making.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Lakeville, NY
Are there any special mortgage or down payment assistance programs for first-time homebuyers in Lakeville, NY?
Yes, Lakeville homebuyers can access statewide programs like the SONYMA (State of New York Mortgage Agency) Achieving the Dream loan, which offers competitive rates and down payment assistance. Additionally, the Finger Lakes region may have local grants or programs; it's best to consult with a local mortgage broker familiar with Livingston County's specific offerings to maximize available assistance.
How do property taxes in Livingston County impact my mortgage affordability in Lakeville?
Livingston County has property tax rates that are generally moderate for New York State but are still a significant factor in your total monthly payment. Your lender will calculate an escrow payment for taxes into your monthly mortgage, so when determining your budget, you must account for this added cost, which can be higher than national averages.
What are typical mortgage rates offered by local lenders in the Lakeville area?
Mortgage rates in Lakeville are influenced by national trends but can vary slightly between local institutions like Community Bank N.A. or Five Star Bank and larger national lenders. It's highly recommended to get quotes from both local credit unions, which may offer relationship discounts, and online lenders to secure the best possible rate for your profile.
Does the rural nature of Lakeville and the need for well and septic systems affect the mortgage process?
Yes, if the Lakeville property you're purchasing uses a well and septic system, your mortgage lender will require specific water quality and septic inspections to meet loan guidelines. An FHA or VA loan, in particular, has strict safety and functionality requirements for these systems, which must be satisfied before loan approval.
Are USDA loans a viable option for mortgages in Lakeville, NY?
Absolutely. Given Lakeville's location, many properties likely qualify for USDA Rural Development loans, which offer 100% financing (no down payment). This can be an excellent option for eligible buyers with moderate incomes, as the area is designated to promote homeownership in rural communities, making home buying more accessible.
Nearby Cities
Explore mortgage lenders in cities near Lakeville, NY
Why Choose a Mortgage Lender in Lakeville?
Local Market Knowledge
Lenders who understand Lakeville'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 New York.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Lakeville and get competitive rates on your home loan.