The Best Mortgage Lenders in Circleville, OH
Compare verified mortgage lenders serving Circleville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Circleville
Featured Mortgage Lenders
Park National Bank Mortgage Team
Park National Bank
Park National Bank stands as the premier local mortgage lender in Circleville with deep community roots and exceptional customer satisfaction ratings. As a longstanding community bank with physical branches throughout Pickaway County, they offer personalized mortgage services with local underwriting decisions. Their mortgage team receives consistent praise for responsive communication, competitive rates, and guiding first-time homebuyers through the entire process. With over a century of service to central Ohio communities, they understand the local real estate market intimately and provide flexible financing solutions for various property types throughout the Circleville area.
Loan Types:
Third Federal Savings & Loan
Third Federal Savings and Loan Association
Third Federal Savings & Loan consistently ranks among Ohio's top-rated mortgage lenders with exceptional service throughout the state, including Circleville and Pickaway County. Known for highly competitive rates and low fees, they receive outstanding customer reviews for their straightforward application process and excellent customer service. As a mutual institution owned by its depositors, they prioritize customer satisfaction over shareholder profits. Their digital mortgage platform combined with local loan officers provides both convenience and personalized service. With decades of experience and an A+ BBB rating, they're particularly praised for smooth closings and transparent pricing.
Loan Types:
Union Home Mortgage
Union Home Mortgage Corp.
Union Home Mortgage has built an outstanding reputation across Ohio with strong service in the Circleville market through their network of local loan officers. As one of the nation's largest independent mortgage banks, they combine the resources of a major lender with personalized local service. Customers consistently praise their knowledgeable loan officers who provide clear communication throughout the mortgage process. They offer a comprehensive range of loan products with particular expertise in construction loans and renovation financing. With multiple awards for customer satisfaction and workplace excellence, they maintain high standards for service quality and have established strong relationships with real estate professionals throughout central Ohio.
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Frequently Asked Questions
Common questions about mortgage lending in Circleville, OH
Are there any special mortgage programs for first-time homebuyers in Circleville, OH?
Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs with benefits like down payment assistance and competitive interest rates, which are accessible to Circleville residents. Additionally, local lenders often have knowledge of specific programs or grants that can be paired with OHFA loans, making homeownership more attainable in Pickaway County's market.
How do property taxes in Circleville and Pickaway County affect my mortgage payment?
Pickaway County has relatively moderate property tax rates compared to larger Ohio metros, which helps keep total monthly payments manageable. Your lender will calculate an escrow payment based on the specific property's assessed value and the current millage rates for the city and county, which is a critical part of your mortgage budgeting in this area.
What is a typical down payment needed for a home in Circleville's market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Circleville utilize conventional loans with 3-5% down or FHA loans with 3.5% down, especially given the area's affordable home prices. Local lenders can guide you on the best option based on your financial profile and the type of property you're considering.
Does Circleville's rural location impact mortgage lender options or rates?
While Circleville is a smaller community, you have access to local banks and credit unions, as well as regional and national lenders who serve the area. Rates are generally competitive with state averages, but working with a local lender who understands the appraisal process for both in-town properties and more rural parcels in Pickaway County can be advantageous.
Are USDA rural development loans a viable option for mortgages in the Circleville area?
Absolutely. Much of Pickaway County, including areas on the outskirts of Circleville, is eligible for USDA Section 502 loans, which offer 100% financing (no down payment). This can be an excellent program for eligible buyers looking at homes just outside the city limits, making it a popular choice in this market.
Nearby Cities
Explore mortgage lenders in cities near Circleville, OH
Why Choose a Mortgage Lender in Circleville?
Local Market Knowledge
Lenders who understand Circleville'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 Circleville and get competitive rates on your home loan.