The Best Mortgage Lenders in Bellaire, OH
Compare verified mortgage lenders serving Bellaire, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Bellaire
Featured Mortgage Lenders
Mortgage Department
Huntington National Bank
Huntington National Bank stands as one of the most established and highly-rated mortgage lenders serving Bellaire, with deep roots in Ohio dating back to 1866. Their local Bellaire branch provides personalized mortgage services with the backing of a major regional financial institution. Customers consistently praise their competitive rates, smooth application process, and knowledgeable local loan officers who understand the specific needs of Belmont County residents. Huntington offers a comprehensive range of mortgage products and has maintained an excellent reputation for customer service and community involvement throughout the Ohio Valley region.
Loan Types:
Mortgage Services
WesBanco Bank
WesBanco has been serving the Bellaire community for generations and maintains a strong local presence with their Bellaire branch. As a trusted regional bank with deep Ohio Valley roots, they offer personalized mortgage solutions with local decision-making authority. Customers frequently highlight their responsive service, competitive rates, and the expertise of their mortgage specialists who understand the local real estate market. WesBanco provides a full spectrum of mortgage options and has built a reputation for reliability and community commitment throughout their long history serving Eastern Ohio homeowners.
Loan Types:
Mortgage Division
Union Home Mortgage
Union Home Mortgage has established itself as a top-rated mortgage lender serving the Bellaire area with exceptional customer satisfaction ratings. While headquartered in Strongsville, Ohio, they maintain a strong presence throughout Ohio with local loan officers who specialize in serving the Eastern Ohio market. Customers consistently praise their efficient process, competitive rates, and the personalized attention they receive throughout the mortgage journey. With over three decades of experience, Union Home Mortgage has built a reputation for reliability, innovative loan products, and exceptional customer service that makes them a preferred choice for Bellaire area homebuyers seeking a seamless mortgage experience.
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Frequently Asked Questions
Common questions about mortgage lending in Bellaire, OH
Are there any special mortgage or down payment assistance programs for first-time homebuyers in Bellaire, OH?
Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs, including down payment assistance grants and competitive first-time homebuyer loans, which are accessible to Bellaire residents. Additionally, local lenders often have knowledge of any county-specific initiatives through Belmont County that can provide additional support for qualifying buyers in the area.
How do property taxes in Bellaire, OH, impact my monthly mortgage payment?
Belmont County, where Bellaire is located, has relatively moderate property tax rates compared to larger Ohio cities. Your lender will calculate an escrow payment as part of your monthly mortgage to cover these taxes. It's wise to get an estimate of the taxes on your specific property, as rates can vary slightly, but overall, Bellaire offers a cost-effective property tax environment.
What types of homes are most common in Bellaire, and does that affect the type of mortgage I should get?
Bellaire features many historic homes, classic American Foursquares, and older, solidly built properties, alongside newer constructions. For older homes, a standard conventional loan is common, but if a property requires significant repairs, you might explore an FHA 203(k) renovation loan. A thorough home inspection is especially critical in Bellaire due to the age of many homes.
Are mortgage rates in Bellaire, OH, different from the national average?
Mortgage rates are primarily set by national markets, so Bellaire rates align closely with national and state averages. However, your specific rate will depend on your financial profile and the lender you choose. Working with a local Bellaire or regional lender can sometimes provide access to competitive rates and a better understanding of the local appraisal process.
What should I know about the home appraisal process for a Bellaire property?
Appraisals in Bellaire must accurately reflect the local market, which can be challenging due to the mix of historic and newer homes. An appraiser familiar with Belmont County will use comparable sales ("comps") from Bellaire and nearby towns like Shadyside or Martins Ferry. Unique features of older homes or varying conditions between neighborhoods are key factors they will assess.
Why Choose a Mortgage Lender in Bellaire?
Local Market Knowledge
Lenders who understand Bellaire'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 Ohio.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Bellaire and get competitive rates on your home loan.