The Best Mortgage Lenders in Findlay, OH
Compare verified mortgage lenders serving Findlay, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Findlay
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender with a strong local presence in Northwest Ohio, serving Findlay through its Perrysburg office. Known for exceptional customer service and competitive rates, they have consistently high ratings due to their streamlined loan process, personalized guidance, and wide range of loan options. Their experienced team specializes in first-time homebuyer programs, and they are praised for their responsiveness and reliability in the Hancock County area.
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New American Funding
New American Funding
New American Funding is a highly regarded national lender with a significant presence in Ohio, including service to Findlay. They excel in offering diverse loan products with a focus on affordable housing and community lending programs. Their high customer satisfaction stems from efficient processing, educational resources, and dedicated local loan officers. With a commitment to inclusivity and competitive rates, they are a trusted choice for homebuyers in the region.
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loanDepot
loanDepot, LLC
loanDepot is a reputable national mortgage lender known for its innovative technology and efficient online application process, serving Findlay with competitive rates and a wide array of loan options. They have built a strong reputation for speed and convenience, offering pre-approval in minutes and a user-friendly digital experience. Their high ratings reflect excellent customer support and flexibility, making them a popular choice for both purchase and refinance loans in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Findlay, OH
Are there any local down payment assistance programs specifically for homebuyers in Findlay, OH?
Yes, the City of Findlay offers the Findlay Homeownership Program, which provides up to $5,000 in down payment and closing cost assistance in the form of a forgivable loan. This program is designed for low-to-moderate income buyers purchasing a home within the city limits and is a fantastic local resource to make homeownership more accessible.
How does Findlay's stable, corporate-anchored economy affect mortgage lending and approval?
Findlay's strong economy, anchored by major employers like Marathon Petroleum and Whirlpool, is viewed favorably by lenders. Stable employment in these sectors can lead to smoother mortgage approvals and potentially more competitive rates, as lenders see borrowers in these jobs as lower risk. It's beneficial to highlight this employment stability during your application.
What are typical property taxes like in Findlay, and how should I factor them into my mortgage payment?
Hancock County, where Findlay is located, has relatively moderate property tax rates compared to larger Ohio metros. The effective tax rate is typically around 1.3% to 1.5% of the home's assessed value. Your lender will use this rate to accurately calculate your monthly escrow payment, which is crucial for budgeting given Findlay's affordable home prices.
Are USDA rural development loans available for homes in or near Findlay, OH?
Yes, surprisingly, parts of Findlay and many surrounding areas in Hancock County are eligible for USDA loans, which offer 100% financing with no down payment. This is a major advantage for eligible buyers, as it allows purchase in designated "rural" areas while still having access to Findlay's amenities and job market.
How competitive is the Findlay housing market, and how can I strengthen my mortgage offer?
The Findlay market is moderately competitive, especially for well-priced homes in popular neighborhoods like West Park or near the university. To strengthen your offer, get a strong pre-approval from a reputable local lender who understands the market. Consider waiving certain contingencies only if your financial position is solid, and be prepared for potential appraisal gaps in bidding situations.
Why Choose a Mortgage Lender in Findlay?
Local Market Knowledge
Lenders who understand Findlay'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 Findlay and get competitive rates on your home loan.