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Bradner, OH

The Best Mortgage Lenders in Bradner, OH

Compare verified mortgage lenders serving Bradner, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
597+
Reviews
9
Loan Types

Available Loan Programs in Bradner

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
Home Equity
First-time Homebuyer

Featured Mortgage Lenders

1

Mortgage Department

First Federal Lakewood

★★★★☆
4.8/5

First Federal Lakewood stands out as one of Northwest Ohio's most respected mortgage lenders with exceptional customer satisfaction ratings. While headquartered in Lakewood, they serve communities throughout Ohio including Wood County and Bradner. Their experienced mortgage team provides personalized service with competitive rates on all major loan types. They're particularly noted for their expertise in rural housing loans and first-time homebuyer programs, making them an excellent choice for Bradner residents. The institution's long history (founded in 1935) and community-focused approach have earned them numerous local awards and high customer praise.

Experience:15 years
Reviews:185 customer reviews
14805 Detroit Avenue, Lakewood, OH 44107

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
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2

Mortgage Center

Third Federal Savings and Loan

★★★★☆
4.7/5

Third Federal Savings and Loan maintains a strong presence throughout Ohio with multiple branches serving the Northwest region including Wood County. They're renowned for consistently offering some of the most competitive mortgage rates in the state and have exceptional customer service ratings. Their streamlined application process and experienced loan officers make them a top choice for Bradner homebuyers. Third Federal is particularly strong in refinancing and offers unique low-closing-cost options. With over 80 years in business, they've built a reputation for reliability and excellent terms on conventional, FHA, and VA loans.

Experience:20 years
Reviews:320 customer reviews
7007 Broadway Avenue, Cleveland, OH 44105

Loan Types:

ConventionalFHAVARefinanceHome EquityJumbo
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3

Mortgage Services

Direction Home Credit Union

★★★★☆
4.6/5

Direction Home Credit Union, located just 15 minutes from Bradner in Bowling Green, specializes in serving Wood County residents with personalized mortgage solutions. As a local credit union, they offer competitive rates and flexible underwriting that larger institutions often can't match. Their mortgage team has deep knowledge of the local Bradner housing market and provides exceptional one-on-one service throughout the loan process. They excel at first-time homebuyer programs and USDA rural development loans, which are particularly relevant for the Bradner area. Members consistently praise their responsive service and local decision-making authority.

Experience:12 years
Reviews:92 customer reviews
135 S. Main Street, Bowling Green, OH 43402

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Bradner, OH

Are there any special mortgage programs for first-time homebuyers in Bradner, Ohio?

Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs, including down payment assistance and competitive interest rates, which are accessible to Bradner residents. Additionally, some local lenders in Wood County may have specific first-time buyer products or grants. It's wise to consult with a local mortgage broker familiar with these programs to maximize your benefits.

How do property taxes in Bradner, OH, affect my monthly mortgage payment?

Bradner is located within Milton Township in Wood County, which has a relatively moderate property tax rate compared to urban Ohio counties. Your lender will estimate these taxes for escrow, and they are a key component of your total monthly payment (PITI). It's important to get a precise tax quote for any property you're considering, as rates can vary slightly within the township.

What is the typical down payment needed for a home in Bradner's market?

While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Bradner's affordable market use conventional loans with 3-5% down or FHA loans with 3.5% down. Given the area's lower median home prices compared to national averages, saving for a down payment is often more achievable here, especially when combined with OHFA assistance programs.

Are USDA rural development loans available for homes in Bradner, Ohio?

Yes, Bradner is classified as a rural area by the USDA, making most properties in and around the village eligible for USDA Section 502 Guaranteed Loans. This is a significant advantage, as these loans offer 100% financing (no down payment) and competitive rates for eligible borrowers, which is perfect for the area's rural character.

How does Bradner's housing market—with its mix of older homes and new construction—affect the mortgage process?

Older homes in Bradner's historic areas may require a thorough appraisal and inspection, as lenders need to ensure the property meets minimum property standards, especially for FHA or VA loans. For new construction in developing subdivisions, your lender can guide you on construction-to-permanent loans. Working with a local lender experienced in both scenarios is crucial for a smooth process.

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Why Choose a Mortgage Lender in Bradner?

Local Market Knowledge

Lenders who understand Bradner'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 Bradner and get competitive rates on your home loan.