The Best Mortgage Lenders in Buffalo, OH
Compare verified mortgage lenders serving Buffalo, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Buffalo
Featured Mortgage Lenders
Fifth Third Bank Mortgage
Fifth Third Bank, National Association
Fifth Third Bank is a major regional financial institution with strong presence throughout Ohio, including service to Buffalo and Guernsey County. They offer comprehensive mortgage solutions with competitive rates and have been serving Ohio communities for over 160 years. Their local Cambridge branch provides personalized service with digital convenience, making them a top choice for Buffalo area homebuyers seeking reliable financing with local decision-making and extensive mortgage expertise.
Loan Types:
Kemba Credit Union Mortgage
Kemba Financial Credit Union
Kemba Credit Union has been serving Ohio residents for over 90 years with exceptional mortgage services and member-focused lending. They consistently receive high marks for customer satisfaction and offer competitive rates with flexible terms. While based in central Ohio, they serve members throughout the state including Buffalo area residents. Their mortgage team provides personalized guidance through the entire home financing process with a reputation for transparency and excellent member service.
Loan Types:
Union Home Mortgage
Union Home Mortgage Corp.
Union Home Mortgage is an Ohio-based mortgage lender with strong statewide presence and expertise in serving rural communities like Buffalo. They offer a comprehensive range of mortgage products with competitive rates and exceptional customer service. With over 50 years in business, they've built a reputation for reliability and local market knowledge. Their experienced loan officers provide personalized service and guidance throughout the mortgage process, making them a trusted choice for Buffalo area homebuyers seeking professional, responsive lending services.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Buffalo, OH
What are the typical down payment requirements for homes in Buffalo, OH, given its rural setting and lower median home prices?
In Buffalo, many conventional loans require a 5% down payment, but with the area's affordable market, some local lenders may offer portfolio loans with as little as 3% down. For a USDA loan, which is highly relevant in this rural area, you can purchase a home with 0% down, provided the property and your income meet the program's eligibility requirements.
Are there any special mortgage programs for first-time homebuyers specifically available in Guernsey County or Buffalo, OH?
Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs, including grants for down payment assistance and competitive interest rates, which are accessible to Buffalo residents. Additionally, some local credit unions, like the local branch of the Southeastern Ohio Credit Union, may offer special first-time buyer programs or counseling tailored to the county's market.
How do property taxes in Buffalo, OH, impact my monthly mortgage payment and overall affordability?
Guernsey County, where Buffalo is located, has relatively modest property tax rates compared to urban Ohio areas. Your lender will escrow these taxes, and they typically add $80-$150 to the monthly payment for a median-priced home in Buffalo. It's crucial to get a precise quote during the homebuying process, as rates can vary slightly between townships.
Is a USDA Rural Development loan a good option for buying a home in Buffalo, and what are the key eligibility factors?
A USDA loan is an excellent option for most of Buffalo, as the entire area is designated eligible for this 0%-down program. Key factors include the home being in an approved rural area (Buffalo qualifies), the property meeting basic safety standards, and the borrower's household income not exceeding the county limit, which is generous for Guernsey County.
What should I know about getting a mortgage for a manufactured or modular home on owned land in the Buffalo area?
Financing for manufactured homes in Buffalo is common but has specific rules. You'll need a lender experienced with this property type; local banks and credit unions are often the best source. The home must be permanently affixed to a foundation and titled as real estate, not personal property, to qualify for conventional, FHA, or USDA financing.
Nearby Cities
Explore mortgage lenders in cities near Buffalo, OH
Why Choose a Mortgage Lender in Buffalo?
Local Market Knowledge
Lenders who understand Buffalo'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 Buffalo and get competitive rates on your home loan.