The Best Mortgage Lenders in Crooksville, OH
Compare verified mortgage lenders serving Crooksville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Crooksville
Featured Mortgage Lenders
Scott Runkle
Union Home Mortgage
Union Home Mortgage is a highly-rated regional lender with strong presence in Southeastern Ohio. Scott Runkle's team consistently receives excellent reviews for their personalized service, competitive rates, and expertise with various loan programs. They have extensive experience serving the Crooksville area and surrounding communities, with particular strength in first-time homebuyer programs and rural development loans suitable for the region.
Loan Types:
Tom Thompson
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with strong local presence through Tom Thompson's Zanesville office. They receive consistently high marks for customer service, communication throughout the loan process, and competitive rate offerings. The company specializes in serving rural communities like Crooksville and has particular expertise with USDA and VA loans that are popular in the area.
Loan Types:
Brent Baughman
CME Federal Credit Union
CME Federal Credit Union is a well-established local financial institution serving Muskingum County and surrounding areas including Crooksville. As a credit union, they offer competitive member-focused rates and personalized service. Brent Baughman and his mortgage team have extensive experience with local real estate markets and provide comprehensive mortgage services with the advantage of local decision-making and community-focused lending practices.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Crooksville, OH
Are there any special mortgage programs for first-time homebuyers in Crooksville, OH?
Yes, Ohio offers several statewide programs that are accessible in Crooksville, such as the Ohio Housing Finance Agency's (OHFA) First-Time Homebuyer program, which provides competitive interest rates and down payment assistance. Additionally, local lenders familiar with Perry County may offer portfolio loans or grants tailored to the area's moderate-income buyers, helping to make homeownership more attainable in Crooksville's affordable market.
How does Crooksville's location within a federally designated "rural area" affect my mortgage options?
Crooksville's rural designation makes many homes eligible for USDA Rural Development loans, which offer 100% financing with no down payment—a significant advantage. This is a popular option in the area due to the town's population size and can be combined with the region's lower home prices to create a very accessible path to homeownership.
What are typical closing costs for a mortgage in Crooksville, and are they different from larger Ohio cities?
Closing costs in Crooksville typically range from 2% to 5% of the home's purchase price, similar to state averages. However, you may find some title and transfer fees specific to Perry County are slightly lower than in major metropolitan areas like Columbus. It's always wise to get a detailed Loan Estimate from a local lender who understands the county's specific fee structure.
How do property values and appraisal processes work in Crooksville's unique real estate market?
Crooksville's property values are generally lower and more stable than volatile urban markets, but finding comparable sales ("comps") for appraisals can sometimes be a challenge due to lower transaction volume. Working with a lender who uses appraisers familiar with Perry County is crucial, as they will better understand how to value properties based on local land characteristics and the mix of rural and village homes.
Are there local banks or credit unions in Crooksville that offer better mortgage terms for residents?
Yes, local institutions like The Perry County National Bank have deep roots in the community and often offer personalized service and competitive terms. They may be more flexible in underwriting for properties with unique characteristics common in the area and can sometimes offer portfolio loan products not available from national lenders, which can be advantageous for self-employed borrowers or those purchasing non-standard properties.
Nearby Cities
Explore mortgage lenders in cities near Crooksville, OH
Why Choose a Mortgage Lender in Crooksville?
Local Market Knowledge
Lenders who understand Crooksville'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 Crooksville and get competitive rates on your home loan.