The Best Mortgage Lenders in Highland, OH
Compare verified mortgage lenders serving Highland, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Highland
Featured Mortgage Lenders
Union Savings Bank
Union Savings Bank
Union Savings Bank is a highly-rated regional bank serving the Highland area with exceptional mortgage services. With over a century of operation, they offer personalized service and competitive rates. Their mortgage team provides comprehensive guidance through the entire home loan process, from application to closing. Customers consistently praise their responsiveness, local decision-making, and commitment to community lending throughout Southwest Ohio.
Loan Types:
GVC Mortgage
GVC Mortgage, Inc.
GVC Mortgage is a top-rated mortgage broker serving Highland and surrounding communities with exceptional customer service and competitive loan options. They specialize in finding the best mortgage solutions for each client's unique situation. With hundreds of positive reviews highlighting their efficiency, communication, and expertise, GVC has built a strong reputation throughout Southwest Ohio for making the mortgage process smooth and understandable.
Loan Types:
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation - Cincinnati/Dayton
Fairway Independent Mortgage Corporation maintains a strong local presence serving Highland with nationally-recognized mortgage expertise. Their Cincinnati/Dayton branch consistently receives outstanding reviews for their knowledgeable loan officers and efficient processing. As a nationwide lender with deep local roots, they offer competitive rates and a wide variety of loan programs while providing the personalized service of a local company.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Highland, OH
Are there any special mortgage programs for first-time homebuyers in Highland, OH?
Yes, Highland homebuyers can access the Ohio Housing Finance Agency (OHFA) programs, which offer competitive interest rates, down payment assistance, and grants. These programs are particularly valuable in Highland's market, where they can help bridge the affordability gap for first-time buyers looking at the area's mix of rural and suburban properties.
How do property taxes in Highland, OH, impact my monthly mortgage payment?
Highland is located within both Highland County and the Highland Local School District, which have distinct tax rates. Property taxes here are generally moderate compared to major Ohio metros, but they are a significant component of your escrow payment. Your lender will calculate these based on the specific property's assessed value and the applicable millage rates.
What is a typical down payment needed for a home in Highland's current market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Highland successfully purchase with 3-5% down using conventional loans or FHA loans. Given the relatively affordable home prices in the area, saving for a down payment is often more achievable here than in larger cities, but competitive offers may still benefit from a larger down payment.
Are USDA loans a common option for mortgages in Highland, OH?
Absolutely. Much of the area surrounding the city of Highland is eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This is a highly relevant and popular program for buyers looking at homes on the more rural outskirts of Highland, making homeownership accessible with minimal upfront cash.
How do I account for well and septic systems when getting a mortgage in Highland?
Many homes in Highland and Highland County use private well water and septic systems. Most lenders will require specific water tests and septic inspections as a condition for loan approval, especially for FHA and VA loans. You should budget for these inspections and any potential repairs, as they are a critical part of the property evaluation process in this area.
Why Choose a Mortgage Lender in Highland?
Local Market Knowledge
Lenders who understand Highland'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 Highland and get competitive rates on your home loan.