The Best Mortgage Lenders in Guysville, OH
Compare verified mortgage lenders serving Guysville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Guysville
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in Ohio, known for its competitive rates and excellent customer service. They offer a fully digital mortgage process and have consistently high ratings for their efficient closing times and personalized service. With over two decades of experience, they serve Guysville and surrounding areas through local loan officers and online platforms, making them a reliable choice for various loan types.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly regarded mortgage lender with a focus on community outreach and diverse loan products, including options for low-to-moderate income borrowers. They have a robust local presence in Ohio and are praised for their responsive customer support and competitive rates. Serving Guysville through regional offices and online services, they boast a track record of high customer satisfaction and tailored mortgage solutions.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a reputable lender known for its fast processing times and community-focused approach, with a strong regional presence in Ohio. They emphasize customer education and offer a variety of loan programs to fit different needs, including first-time homebuyer assistance. With offices in Columbus serving the Guysville area, they have built a solid reputation for reliability and high customer satisfaction through personalized service and competitive financing options.
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Frequently Asked Questions
Common questions about mortgage lending in Guysville, OH
What are typical mortgage rates for homebuyers in Guysville, OH, and how do they compare to national averages?
Mortgage rates in Guysville generally align with national averages, but local lenders may offer competitive rates due to the rural nature of Athens County. It's common to see rates slightly lower than in major Ohio cities like Columbus, as property values are more moderate. Working with a local credit union, such as those serving Athens County, can sometimes secure favorable terms for qualified buyers.
Are there any down payment assistance programs specifically for buyers in Guysville or Athens County?
Yes, homebuyers in Guysville can access the **Ohio Housing Finance Agency (OHFA)** programs, which offer down payment assistance and first-time homebuyer loans statewide. Additionally, the **Athens County Housing Network** may provide local resources and counseling. These programs are particularly valuable in Guysville, where median incomes are often lower than the state average, helping to make homeownership more accessible.
How does the appraisal process work for rural properties in Guysville, given its location outside city limits?
Appraising rural properties in Guysville requires appraisers familiar with Athens County's land values, well and septic systems, and agricultural influences. Lenders will often seek appraisers from the region who understand the cost differences between improved land and wooded acreage. Unique features like outbuildings or proximity to the Hocking River can impact value, so using a local lender experienced in rural mortgages is highly recommended.
What should I know about property taxes and insurance when getting a mortgage in Guysville?
Property taxes in Guysville are based on Athens County rates, which are typically lower than in urban areas but can vary based on township levies. For insurance, due to the rural setting, lenders will require coverage that accounts for well and septic systems, and possibly additional coverage for structures like barns. Flood insurance may also be a consideration for properties near creeks or the Hocking River, which can affect your total monthly mortgage payment.
Are USDA loans a common and viable option for mortgages in Guysville, OH?
Absolutely. Given Guysville's rural designation by the USDA, many properties qualify for **USDA Rural Development loans**, which offer 100% financing with no down payment. This is a popular and practical option for eligible buyers, as much of Athens County is eligible. These loans are ideal for moderate-income households looking to purchase in Guysville, making homeownership achievable without a large upfront cash requirement.
Why Choose a Mortgage Lender in Guysville?
Local Market Knowledge
Lenders who understand Guysville'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 Guysville and get competitive rates on your home loan.