The Best Mortgage Lenders in Greenfield, OH
Compare verified mortgage lenders serving Greenfield, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Greenfield
Featured Mortgage Lenders
Bill Salyer
Salyer Mortgage
Salyer Mortgage is a highly-rated local mortgage broker based right in Greenfield with over two decades of serving the community. Bill Salyer and his team have built an exceptional reputation for personalized service and competitive rates, specializing in helping first-time homebuyers and veterans navigate the mortgage process. Their deep local market knowledge and commitment to customer satisfaction make them a top choice for Greenfield residents seeking a trusted local mortgage partner.
Loan Types:
Mortgage Department
Peoples Bank
Peoples Bank has been serving Greenfield and surrounding communities for over a century, providing comprehensive mortgage services through their local branch. As a well-established regional bank, they offer the stability of a large financial institution with the personalized service of a community bank. Their mortgage team provides competitive rates on various loan products and is known for their reliable customer service and deep understanding of the local Southern Ohio housing market.
Loan Types:
Mortgage Services
Kemba Credit Union
While based in Cincinnati, Kemba Credit Union has a strong presence throughout Southern Ohio and serves Greenfield residents with exceptional mortgage services. As a member-owned financial cooperative, they consistently offer competitive rates and lower fees than many traditional banks. Their mortgage team receives outstanding reviews for their educational approach, helping members understand all options and providing guidance through the entire homebuying process with exceptional customer care.
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Frequently Asked Questions
Common questions about mortgage lending in Greenfield, OH
Are there any special down payment assistance programs for first-time homebuyers in Greenfield, Ohio?
Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs, including grants for down payment and closing costs, which are accessible to Greenfield buyers. Additionally, local lenders often have knowledge of any county-specific initiatives through Highland County that can provide additional support for qualifying individuals purchasing their first home in the area.
How do property taxes in Highland County affect my mortgage payments in Greenfield?
Highland County has relatively moderate property tax rates compared to Ohio's urban centers, which can help keep your total monthly mortgage payment (PITI) more affordable. When getting pre-approved, your lender will use the county's current millage rates to accurately estimate and escrow your property taxes, which is a crucial part of budgeting for a home in Greenfield.
What types of homes in Greenfield might qualify for USDA Rural Development loans?
Nearly all of Greenfield and Highland County is eligible for USDA Rural Development loans, which offer 100% financing. This is an excellent option for many of the single-family homes, especially those on the outskirts of town, making homeownership more accessible without a large down payment for qualifying income households.
How does Greenfield's housing market, with its older home inventory, impact the mortgage process?
Greenfield has many charming, older homes, which makes a thorough home inspection critical. Lenders will require an appraisal that may note necessary repairs, especially for FHA or VA loans which have stricter property condition requirements. It's wise to budget for potential repair costs that could arise from older systems like plumbing, electrical, or roofing.
Are local community banks or credit unions in Greenfield a good option for mortgages?
Absolutely. Local institutions like First State Bank or other regional credit unions often have deep roots in the community and may offer personalized service and flexibility, especially for buyers with unique financial situations or those purchasing unique properties. They can also be very knowledgeable about local property values and the specifics of Highland County.
Nearby Cities
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Why Choose a Mortgage Lender in Greenfield?
Local Market Knowledge
Lenders who understand Greenfield'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 Greenfield and get competitive rates on your home loan.