Top 3 Mortgage Lenders in Jefferson

Ashe Savings Bank has been serving the Jefferson, NC community for over a century and maintains exceptional local reputation with 4.8-star ratings. As a community bank headquartered just minutes from Jefferson, they offer personalized mortgage services with deep understanding of mountain property financing. Their mortgage team specializes in rural property loans, USDA loans perfect for the area, and construction financing for custom mountain homes. Customers consistently praise their local decision-making, competitive rates for the region, and exceptional customer service from loan officers who understand the unique aspects of High Country real estate.

New River Lending is a highly-rated regional mortgage lender based in nearby Boone, NC that extensively serves the Jefferson area. With nearly 20 years of experience specializing in mountain and rural property financing, they've earned 4.7-star ratings for their expertise in High Country real estate. They're particularly skilled with properties featuring unique characteristics common in Ashe County, including land-with-home packages and mountain view properties. Their local loan officers understand seasonal income variations common in the region and offer flexible underwriting for self-employed borrowers in tourism and agriculture.

First Horizon Bank maintains a strong presence throughout Western North Carolina with a dedicated mortgage team serving Jefferson and surrounding Ashe County. With deep regional roots dating back over 150 years, they combine national lending power with local market expertise. Their mortgage specialists are particularly experienced with mountain property challenges including well and septic systems, varying topography, and rural appraisal considerations. Customers consistently rate them highly for competitive jumbo loan options, efficient construction loan management, and their ability to handle complex property scenarios common in the Blue Ridge Mountains region.