The Best Mortgage Lenders in Hicksville, OH
Compare verified mortgage lenders serving Hicksville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hicksville
Featured Mortgage Lenders
CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage is a top-rated lender with a strong presence in Ohio, including service to Hicksville. Highly regarded for its competitive rates, personalized customer service, and extensive loan options. With over two decades of experience, it maintains high customer satisfaction scores on platforms like Zillow and Bankrate, and is known for its efficient processing and local expertise in rural and suburban markets.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a highly reputable lender serving Hicksville and surrounding areas with a focus on customer-centric solutions. It boasts excellent ratings for its transparent processes, competitive rates, and dedicated support team. With nearly three decades in business, it has built a strong track record in Ohio for helping borrowers with various needs, including first-time homebuyers and refinancing, backed by numerous positive reviews highlighting its reliability and community involvement.
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New American Funding
New American Funding, LLC
New American Funding is a nationally recognized lender with a strong service footprint in Ohio, including Hicksville. It is praised for its diverse loan products, competitive interest rates, and commitment to underserved communities. With over 20 years of experience, it has earned high customer satisfaction for its responsive service and innovative technology, making it a reliable choice for borrowers seeking flexible mortgage solutions and expert guidance.
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Frequently Asked Questions
Common questions about mortgage lending in Hicksville, OH
What are the typical down payment requirements for homes in Hicksville, OH, given its more affordable market?
In Hicksville's affordable market, many conventional loans require a 3-5% down payment, but local lenders often work with buyers who can put down as little as 3% for FHA loans. For the area's median home price, this can mean an initial investment of just $5,000-$10,000, making homeownership very accessible.
Are there any local or county-specific first-time homebuyer programs available in Hicksville, OH?
Yes, Hicksville homebuyers can access the Ohio Housing Finance Agency's (OHFA) "Your Choice! Down Payment Assistance" program, which offers a grant of 2.5% or 5% of the loan amount. Additionally, Defiance County may have occasional local grant programs, so it's wise to check with a Hicksville-based lender for the most current opportunities.
How do property taxes in Defiance County impact my mortgage payment in Hicksville?
Defiance County property taxes are relatively moderate compared to urban Ohio counties. Your lender will escrow these taxes, adding them to your monthly payment. For a typical Hicksville home, this might add $150-$250 per month to your principal and interest, which is a key factor in determining your overall affordable payment.
What type of property appraisal challenges are common for mortgages in a rural area like Hicksville?
Appraisals in Hicksville can sometimes be challenging due to the scarcity of recent, comparable home sales ("comps") in the immediate area. Appraisers may need to look at sales in nearby towns like Defiance or Paulding, which can occasionally affect the appraised value. Working with a lender familiar with the local rural market is crucial.
Is USDA Rural Development financing a viable option for mortgages in Hicksville, Ohio?
Absolutely. Hicksville is located in an area eligible for USDA Rural Development loans, which offer 100% financing (no down payment) for qualified buyers and households. This is an excellent program for the area, given its designation, and can be a major advantage for eligible buyers looking at homes in the village or surrounding township.
Nearby Cities
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Why Choose a Mortgage Lender in Hicksville?
Local Market Knowledge
Lenders who understand Hicksville'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 Hicksville and get competitive rates on your home loan.