The Best Mortgage Lenders in Haverhill, OH
Compare verified mortgage lenders serving Haverhill, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Haverhill
Featured Mortgage Lenders
Union Savings Bank
Union Savings Bank
Union Savings Bank is a highly-rated regional bank with deep roots in southern Ohio, serving Haverhill and surrounding communities for over 25 years. They maintain exceptional 4.8-star ratings across multiple review platforms for their personalized service and competitive mortgage rates. As a community-focused institution, they specialize in understanding the unique needs of rural Ohio homebuyers and offer comprehensive lending options including USDA loans perfect for Haverhill's location. Their local loan officers provide face-to-face service and have extensive experience with the southern Ohio real estate market.
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The Huntington National Bank
The Huntington National Bank
Huntington National Bank has a strong physical presence in southern Ohio with multiple branches serving the Haverhill area, including their nearby Portsmouth location. With extensive 30+ years of mortgage lending experience in the region, they offer competitive rates and a wide variety of loan programs. They receive consistently high marks for their digital mortgage application process combined with local underwriting expertise. Huntington's dedicated mortgage specialists understand the rural Ohio market and provide specialized guidance for Haverhill homebuyers seeking both purchase and refinance options.
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Ohio Valley Bank
Ohio Valley Bank
Ohio Valley Bank is a trusted community bank serving southern Ohio communities including Haverhill for over 120 years. Their mortgage division maintains excellent 4.7-star ratings for personalized service and local decision-making. They specialize in rural property financing and offer unique construction and lot loan programs ideal for Haverhill's developing areas. With deep community ties and extensive knowledge of local property values, their loan officers provide exceptional guidance through the entire mortgage process. They're particularly strong with VA and USDA loans, making them an excellent choice for military families and rural homebuyers in the Haverhill area.
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Frequently Asked Questions
Common questions about mortgage lending in Haverhill, OH
Are there any special mortgage programs for first-time homebuyers in Haverhill, Ohio?
Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs, including down payment assistance grants and competitive first-time homebuyer loans, which are accessible to Haverhill residents. Additionally, local lenders in the Scioto County area often have knowledge of specific USDA Rural Development loans, which are highly relevant for Haverhill's more rural setting and can offer 100% financing.
How does Haverhill's rural location in Scioto County affect my mortgage options?
Haverhill's designation as a rural area makes many properties eligible for USDA Rural Development loans, a significant advantage as they require no down payment. This can be a key factor for buyers with limited savings. It's important to work with a lender experienced in USDA loans to confirm a specific property's eligibility.
What are typical property taxes like in Haverhill, and how do they impact my mortgage payment?
Property taxes in Scioto County, which includes Haverhill, are generally moderate compared to urban Ohio counties. The current effective tax rate is approximately 1.1% to 1.3% of the home's assessed value. Your lender will factor this into your total monthly payment (PITI), and it's wise to get an exact estimate from the county auditor when budgeting.
Is it difficult to get a mortgage for a manufactured home in Haverhill?
Financing for manufactured homes in Haverhill is possible but has specific requirements. The home must be permanently affixed to a foundation and classified as real property (not personal property). FHA, VA, and USDA loans can be used for eligible manufactured homes, but you'll need to find a lender with expertise in this niche product.
How do local home values and appraisal processes work in Haverhill's smaller market?
With fewer recent sales compared to a city, appraisals in Haverhill can sometimes be challenging. Appraisers may need to use comparable sales from a wider geographic area within Scioto County. Working with a local lender who understands the hyper-local market can help ensure the appraisal process goes smoothly and accurately reflects your home's value.
Nearby Cities
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Why Choose a Mortgage Lender in Haverhill?
Local Market Knowledge
Lenders who understand Haverhill'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 Haverhill and get competitive rates on your home loan.