The Best Mortgage Lenders in Girard, OH
Compare verified mortgage lenders serving Girard, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Girard
Featured Mortgage Lenders
First Federal Bank of the Midwest
First Federal Bank of the Midwest
First Federal Bank of the Midwest is a highly-rated community bank with deep roots in Girard and the Mahoning Valley region. They maintain exceptional 4.8-star ratings across multiple review platforms with particular praise for their personalized service, competitive rates, and local decision-making. As a community-focused institution, they specialize in helping first-time homebuyers and offer comprehensive mortgage solutions with the advantage of local underwriting and processing. Their mortgage team has extensive experience with the local real estate market and provides exceptional guidance throughout the entire home buying process.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage maintains a strong presence in the Youngstown-Warren metropolitan area serving Girard with exceptional mortgage services. With over 4.7-star ratings and hundreds of positive reviews, they're renowned for their extensive loan options, competitive rates, and efficient closing processes. Their local mortgage experts provide personalized service with the backing of a national lender's resources. They excel at navigating complex mortgage scenarios and have particular expertise in VA and FHA loans, making them a top choice for military families and first-time homebuyers in the Girard area.
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Huntington Bank
Huntington National Bank
Huntington Bank is a regional powerhouse with strong presence throughout Ohio and specifically serves the Girard community through their nearby Youngstown branches. With consistently high ratings around 4.6 stars, they're praised for their competitive mortgage rates, straightforward application process, and excellent customer service. Their mortgage specialists have deep experience with the Northeast Ohio housing market and offer unique programs like their "Huntington Relationship Mortgage" which provides benefits for existing banking customers. They maintain local decision-making authority while offering the stability and resources of a major regional bank.
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Frequently Asked Questions
Common questions about mortgage lending in Girard, OH
Are there any special down payment assistance or first-time homebuyer programs available specifically for Girard, OH?
Yes, homebuyers in Girard can access statewide programs like Ohio Heroes and the Grants for Grads program, which offer down payment assistance and reduced interest rates. Additionally, the Trumbull County Land Bank occasionally has programs for specific properties, and local lenders are well-versed in the Ohio Housing Finance Agency (OHFA) offerings, which are excellent for first-time buyers in the area.
How do property taxes in Girard, OH, impact my mortgage payments and affordability?
Girard has property tax rates that are generally competitive within Trumbull County, but it's crucial to factor them into your overall payment. Your lender will collect funds for escrow to cover these taxes, and understanding the exact millage rate for your specific property is key, as it directly affects your monthly mortgage obligation and long-term affordability.
What are typical mortgage rates and lender options for someone buying a home in Girard?
While national trends set the baseline, rates in Girard are offered by a mix of local community banks, credit unions like 7 17 Credit Union, and national lenders. It's highly advisable to shop locally, as community lenders often have a deep understanding of the Girard market and may offer competitive terms or special programs for the area's stable, modestly-priced housing stock.
Does Girard's location in a potential flood zone affect the mortgage process?
Properties near the Mahoning River or certain low-lying areas may require a flood zone determination. If your prospective home is in a Special Flood Hazard Area (SFHA), your lender will mandate flood insurance as a condition of the mortgage, which becomes an additional monthly cost you must factor into your budget alongside your principal, interest, taxes, and insurance (PITI).
Are there specific mortgage considerations for buying one of Girard's older, historic homes?
Absolutely. Many homes in Girard were built decades ago, so an FHA 203(k) renovation loan or a conventional HomeStyle loan can be valuable tools to finance both purchase and necessary updates. Lenders will pay close attention to the home's condition during appraisal, and you may need specialized inspections for older systems like wiring, plumbing, or foundations.
Why Choose a Mortgage Lender in Girard?
Local Market Knowledge
Lenders who understand Girard'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 Girard and get competitive rates on your home loan.