The Best Mortgage Lenders in Blaine, OH
Compare verified mortgage lenders serving Blaine, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Blaine
Featured Mortgage Lenders
Mortgage Department
Peoples Bank
Peoples Bank stands out as a premier regional mortgage lender serving Blaine and surrounding communities with over 120 years of banking experience. Their mortgage team receives exceptional ratings for personalized service and local decision-making. As a community-focused institution with deep roots in Eastern Ohio, they offer competitive rates and a wide variety of loan programs. Their local underwriters understand the unique aspects of rural Ohio properties, and they're known for guiding borrowers through complex situations with expertise and patience.
Loan Types:
Mortgage Team
First Priority Mortgage
First Priority Mortgage has built an outstanding reputation serving the Ohio Valley region including Blaine, Ohio. With nearly 25 years in business, they consistently earn top marks for their responsive service and competitive rates. Their team specializes in rural and suburban properties throughout Belmont County and excels at USDA and FHA loans that are particularly relevant for Blaine area homebuyers. Customers praise their transparent communication and ability to close loans efficiently while providing exceptional guidance throughout the process.
Loan Types:
Mortgage Division
Union Home Mortgage
Union Home Mortgage has established itself as one of Ohio's most trusted mortgage lenders with a strong statewide presence serving communities like Blaine. With over 50 years in business, they bring extensive experience and stability to the mortgage process. They're particularly praised for their competitive conventional loan rates and expertise with rural properties. Their dedicated team provides personalized service with the backing of a large institution, offering a comprehensive range of loan products and digital tools that streamline the application process while maintaining local relationship-based service.
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Frequently Asked Questions
Common questions about mortgage lending in Blaine, OH
What are the typical down payment requirements for homes in Blaine, Ohio, given its rural market?
In Blaine's affordable market, many conventional loans can be secured with a 5% down payment, and FHA loans with 3.5% down are very common. For eligible buyers, USDA loans offer a significant advantage with 0% down, as much of the area qualifies for this rural development program. Local lenders are familiar with structuring loans for the area's median home prices, which are below state averages.
Are there any local or county-specific first-time homebuyer assistance programs available in Blaine?
While Blaine itself does not have a city-specific program, homebuyers should explore the **Ohio Housing Finance Agency (OHFA)** programs, which are accessible statewide. Additionally, check with **Belmont County** for potential down payment assistance or grant programs administered at the county level. A local mortgage broker can help you navigate these state and county resources effectively.
How do property taxes in Belmont County impact my mortgage payments in Blaine?
Belmont County has relatively moderate property tax rates compared to urban Ohio counties. Your lender will calculate an escrow payment for taxes as part of your monthly mortgage payment. It's advisable to get an accurate estimate from the Belmont County Auditor's office, as taxes can vary between townships and impact your overall housing budget.
Is a home inspection especially important when getting a mortgage for an older home in Blaine?
Absolutely. Blaine has many charming, older homes, and lenders will require an appraisal, but a thorough independent inspection is crucial. An inspection can identify issues with foundations, roofing, or outdated electrical/plumbing systems common in historic properties, which could affect the home's value and your loan approval. This step is key to a sound investment in this market.
Do lenders in the Blaine area have specific experience with USDA loans due to its rural designation?
Yes, local and regional lenders serving the Blaine area are typically very experienced with USDA Rural Development loans, as much of Belmont County is eligible. They can expertly guide you through the specific property eligibility (including the home's condition and location) and income requirements to maximize your chances of securing this 0%-down payment option.
Why Choose a Mortgage Lender in Blaine?
Local Market Knowledge
Lenders who understand Blaine'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 Blaine and get competitive rates on your home loan.