The Best Mortgage Lenders in Harrisburg, OH
Compare verified mortgage lenders serving Harrisburg, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harrisburg
Featured Mortgage Lenders
Jason Pyles
Union Savings Bank
Union Savings Bank has been serving Central Ohio communities for over a century with deep roots in the region. As a Vice President and Mortgage Loan Originator based in their Reynoldsburg location, Jason Pyles brings 25 years of mortgage expertise and consistently receives outstanding reviews for his personalized service, competitive rates, and extensive knowledge of local housing markets. The bank specializes in first-time homebuyer programs and offers a comprehensive range of mortgage products with local underwriting and decision-making, making them particularly strong for Harrisburg area residents seeking community-focused lending with the stability of a well-established regional bank.
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Chris Copley
Copley Mortgage Group at Union Home Mortgage
Copley Mortgage Group, operating under the Union Home Mortgage banner, has built an exceptional reputation throughout Central Ohio with numerous 5-star reviews highlighting their responsive service and competitive rates. Chris Copley and his team specialize in making the mortgage process straightforward and stress-free, with particular expertise in first-time homebuyer programs and government-backed loans. Their Reynoldsburg location serves the entire Harrisburg area, and they're known for their educational approach, ensuring clients fully understand their options while providing efficient processing and local market knowledge that benefits buyers in the Harrisburg region.
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Mortgage Department
Kemba Credit Union
Kemba Credit Union has been serving Central Ohio residents since 1933 and maintains strong membership throughout the Harrisburg area. Their mortgage department receives consistently high marks for competitive rates, low fees, and exceptional member service. As a not-for-profit financial cooperative, Kemba often offers more favorable terms than traditional banks and provides personalized guidance throughout the entire homebuying process. They offer special first-time homebuyer programs with low down payment options and have local loan officers who understand the specific dynamics of the Harrisburg and surrounding Pickaway County housing market, making them an excellent choice for value-conscious borrowers.
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Frequently Asked Questions
Common questions about mortgage lending in Harrisburg, OH
Are there any local down payment assistance programs available for homebuyers in Harrisburg, OH?
Yes, homebuyers in Harrisburg can access the Ohio Heroes Program, which offers a discounted interest rate and grant assistance for professions like teachers, firefighters, and healthcare workers. Additionally, the Ohio Housing Finance Agency (OHFA) offers several statewide programs with down payment assistance, which are applicable in Harrisburg and surrounding Pickaway County. It's wise to consult with a local lender familiar with these state and potential county-specific offerings.
How do property taxes in Harrisburg, OH, impact my monthly mortgage payment?
Property taxes in Harrisburg and Pickaway County are relatively moderate compared to larger Ohio metro areas, which can help keep your total monthly payment affordable. The current effective property tax rate in Pickaway County is approximately 1.26% of the assessed home value. Your lender will estimate these taxes and include them in your monthly escrow payment, so it's a key factor in your overall budgeting for a home here.
What types of mortgages are most common for purchasing homes in Harrisburg's market?
Given Harrisburg's affordable home prices, conventional fixed-rate mortgages are very popular, especially for buyers with strong credit. USDA Rural Development loans are also a highly relevant and common option here, as much of the area qualifies for this $0-down-payment program. FHA loans are another frequent choice for first-time buyers or those with smaller down payments looking at the village's starter homes.
As a first-time homebuyer in Harrisburg, what should I know about the local inspection process?
Harrisburg's older housing stock means a thorough home inspection is crucial. Local inspectors will pay close attention to foundations, roofing, and outdated electrical or plumbing systems common in historic homes. We recommend using a certified inspector familiar with Central Ohio's building practices and climate considerations, like basement moisture, to avoid costly surprises after purchase.
How does Harrisburg's location between Columbus and Circleville influence mortgage lending and appraisal values?
Harrisburg's semi-rural setting offers more affordable land and home prices than Columbus, but appraisals must carefully compare similar properties within the village or very nearby towns. Lenders will use "comps" primarily from Harrisburg, Commercial Point, or Circleville. The proximity to Columbus can support stable property values, but appraisals are hyper-local, so working with a lender who uses appraisers familiar with the specific market is important.
Why Choose a Mortgage Lender in Harrisburg?
Local Market Knowledge
Lenders who understand Harrisburg'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 Harrisburg and get competitive rates on your home loan.