The Best Mortgage Lenders in Brice, OH
Compare verified mortgage lenders serving Brice, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Brice
Featured Mortgage Lenders
The Mortgage Company
The Mortgage Company
The Mortgage Company is a highly-rated local mortgage broker with deep roots in the Columbus area, serving Brice and surrounding communities for nearly three decades. Known for exceptional customer service, personalized loan solutions, and competitive rates, they specialize in a wide range of loan programs including first-time homebuyer assistance. Their strong reputation is backed by numerous positive reviews highlighting transparency, reliability, and efficient closing processes.
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New American Funding
New American Funding
New American Funding is a nationally recognized lender with a strong local presence in the Brice area, offering innovative mortgage products and dedicated service. They are praised for their competitive rates, diverse loan options, and commitment to underserved communities, including special programs for minority homebuyers. With high customer satisfaction ratings, they provide both online and in-person support, ensuring a smooth and accessible home financing experience.
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Guaranteed Rate
Guaranteed Rate
Guaranteed Rate is a top-rated national mortgage lender with a robust Columbus office that actively serves the Brice community. They excel in combining technology-driven efficiency with personalized service, offering competitive rates and a wide array of loan products. Known for their fast closings and transparent process, they have built a loyal customer base through consistent reliability and expert guidance, making them a preferred choice for both purchase and refinance loans.
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Frequently Asked Questions
Common questions about mortgage lending in Brice, OH
What are the current mortgage rates like for homes in Brice, Ohio?
Mortgage rates in Brice are generally aligned with national and Ohio state averages, but can be influenced by local lender competition and property types. For a conventional 30-year fixed-rate mortgage, rates are typically competitive, though buyers should note that rates for condos or older homes in the area may have slight adjustments. It's advisable to compare offers from local credit unions, like those in nearby Columbus, as well as national lenders.
Are there any down payment assistance programs specifically for Brice homebuyers?
Yes, Brice homebuyers can access Ohio's statewide programs, such as the Ohio Housing Finance Agency's (OHFA) Grants for Grads or Your Choice! Down Payment Assistance. While Brice itself doesn't have a city-specific program, its location within Franklin County makes buyers eligible for these state resources, which can provide 2.5% to 5% of the purchase price in assistance with an OHFA first mortgage.
How does Brice's small-town setting within the Columbus metro area affect the mortgage process?
Brice's unique position as a small village surrounded by larger suburbs like Reynoldsburg means appraisals often use comparable sales from a broader area, which can streamline valuation. Lenders are very familiar with the area, so processing is typically efficient. However, because Brice is compact with limited new construction, ensuring the property meets specific loan requirements (like well and septic for some rural-style lots) is an important local consideration.
What should I know about property taxes in Brice when applying for a mortgage?
Brice is part of the Hamilton Local School District, and property taxes are a key component of your monthly mortgage payment via escrow. Franklin County's effective tax rates are moderately high, so lenders will carefully calculate this into your debt-to-income ratio. It's wise to get a precise tax estimate from the Franklin County Auditor's office, as taxes can vary even within Brice's small boundaries.
As a first-time homebuyer in Brice, what local lender expertise should I look for?
Look for lenders with direct experience in Franklin County's suburban and small-village markets, as they understand Brice's mix of older, established homes and its specific appraisal challenges. A good local lender will be well-versed in OHFA programs and can guide you on how Brice's quiet, residential character impacts loan options compared to busier Columbus neighborhoods. Credit unions with branches in nearby communities often have strong local knowledge.
Nearby Cities
Explore mortgage lenders in cities near Brice, OH
Why Choose a Mortgage Lender in Brice?
Local Market Knowledge
Lenders who understand Brice'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 Brice and get competitive rates on your home loan.