The Best Mortgage Lenders in Lewisville, NC
Compare verified mortgage lenders serving Lewisville, North Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Lewisville
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender with a strong local presence in the Winston-Salem area, serving Lewisville residents with exceptional customer service and competitive rates. Founded in 1996, they have built a reputation for reliability and high customer satisfaction, offering a wide range of loan options including specialized programs for first-time homebuyers. Their experienced loan officers provide personalized guidance, and they are known for fast processing times and transparent communication, making them a trusted choice in the region.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly-rated national lender with a dedicated branch in Winston-Salem that actively serves the Lewisville community. Founded in 2008, they emphasize a customer-first approach, offering competitive rates and a streamlined online application process. They are praised for their responsiveness and expertise in various loan types, including government-backed options, and have a strong track record of closing loans quickly. Their commitment to local engagement and high review scores makes them a popular choice for homebuyers in the area.
Loan Types:
New American Funding
New American Funding
New American Funding is a reputable mortgage lender with a branch in Winston-Salem that provides comprehensive services to Lewisville homebuyers. Established in 2003, they are known for their diverse loan products and efforts to support underserved communities, including offering programs for low-to-moderate income borrowers. They have high customer satisfaction ratings due to their attentive service, competitive rates, and efficient loan processing. Their local team brings extensive experience, ensuring clients receive tailored advice and support throughout the mortgage process.
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Frequently Asked Questions
Common questions about mortgage lending in Lewisville, NC
What are the current mortgage rates like in Lewisville, NC, and how do they compare to the national average?
Mortgage rates in Lewisville are closely aligned with national averages, but local lenders may offer competitive terms. As of recent trends, rates in the Winston-Salem metro area, which includes Lewisville, can be slightly favorable due to the area's stable housing market. It's best to compare offers from local credit unions, regional banks, and national lenders to secure the best rate.
Are there any down payment assistance programs specifically for first-time homebuyers in Lewisville?
Yes, the North Carolina Housing Finance Agency (NCHFA) offers statewide programs like the NC Home Advantage Mortgage™ with down payment assistance, which is accessible to eligible buyers in Lewisville. Additionally, the Forsyth County Down Payment Assistance Program may serve some Lewisville residents, though it's wise to confirm eligibility as Lewisville is primarily in Forsyth County.
How does the appraisal process work in Lewisville, given its mix of established neighborhoods and newer developments?
Appraisals in Lewisville must account for diverse property types, from older homes in neighborhoods like Shallowford Square to new constructions in communities like The Villages at Lewisville. Appraisers use comparable sales ("comps") from within Lewisville and nearby areas of Forsyth County, which can be challenging during rapid market shifts, potentially affecting loan approval amounts.
What local factors in Lewisville should I consider when choosing between a fixed-rate and adjustable-rate mortgage (ARM)?
Given Lewisville's steady growth and relatively affordable home prices compared to larger metros, a fixed-rate mortgage is often preferred for long-term stability. However, an ARM could be considered if you plan to sell or refinance within a few years, especially if you're buying in a newer development where property values may rise predictably.
Are there any property tax considerations or exemptions in Lewisville that could affect my mortgage payments?
Property taxes in Lewisville are set by Forsyth County, with current rates being competitive within the region. While North Carolina offers a homestead exemption for seniors and disabled veterans, there are no city-specific tax abatements for general homebuyers. Your lender will typically escrow for taxes, so it's important to factor in potential annual increases as home values appreciate.
Why Choose a Mortgage Lender in Lewisville?
Local Market Knowledge
Lenders who understand Lewisville'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 North Carolina.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Lewisville and get competitive rates on your home loan.