The Best Mortgage Lenders in Houston, OH
Compare verified mortgage lenders serving Houston, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Houston
Featured Mortgage Lenders
Third Federal Savings and Loan
Third Federal Savings and Loan Association
Third Federal Savings and Loan is one of Ohio's most respected mortgage lenders with an exceptional reputation for customer service and competitive rates. While headquartered in Cleveland, they serve the entire state of Ohio including the Houston area. They consistently receive top ratings for their straightforward approach, low closing costs, and excellent customer satisfaction. As a mutual institution owned by their customers, they prioritize long-term relationships over short-term profits.
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Kemba Credit Union
Kemba Financial Credit Union
Kemba Credit Union has served Ohio communities for over eight decades with an outstanding reputation for mortgage lending. They serve multiple counties throughout Ohio including areas near Houston. Members consistently praise their personalized service, competitive rates, and smooth application process. As a credit union, they operate as a not-for-profit financial cooperative, allowing them to offer particularly favorable terms to qualified borrowers in the Houston region.
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Guardian Savings Bank
Guardian Savings Bank
Guardian Savings Bank brings over a century of mortgage lending experience to Ohio homeowners, with strong presence in southwestern Ohio communities including service to the Houston area. They're particularly noted for their local decision-making, community involvement, and personalized approach to mortgage lending. Customers frequently highlight their responsive service, competitive rates, and expertise with both conventional and government-backed loan programs suitable for the Houston market.
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Frequently Asked Questions
Common questions about mortgage lending in Houston, OH
What are the current mortgage rates like in Houston, Ohio, and how do they compare to state averages?
Mortgage rates in Houston, Ohio, are generally in line with the Ohio state average, as they are driven by national economic factors. However, local credit unions like Riverside or Superior Credit Union may offer very competitive rates and personalized service. It's always wise to compare offers from both local institutions and national lenders to secure the best rate for your specific financial situation.
Are there any down payment assistance programs available specifically for homebuyers in Houston, OH?
Yes, homebuyers in Houston can access statewide Ohio programs, which are highly relevant given the area's affordable home prices. The **Ohio Housing Finance Agency (OHFA)** offers several programs, including grants for down payment and closing costs, often with favorable terms for first-time buyers. Your local mortgage lender can help you determine if you qualify for an OHFA loan or other local county initiatives.
How does the appraisal process work in Houston's rural housing market?
Appraisals in Houston and surrounding Shelby County can be unique due to the mix of rural properties and smaller village homes. Appraisers must find comparable sales ("comps") which can sometimes be challenging if similar homes haven't sold recently in the immediate area. This process may take slightly longer than in a dense urban market, so factor in extra time for your mortgage closing timeline.
What type of property inspections are especially important when getting a mortgage for a home in Houston, OH?
Beyond a standard home inspection, consider a **septic system inspection** and **water well test** for properties outside the village limits, as many homes use private systems. Lenders may require these tests to ensure the property is habitable and the systems are functional, as they can be a significant future liability. For older homes in the village, a thorough roof and foundation inspection is also prudent.
As a first-time homebuyer in Houston, what should I know about property taxes and insurance?
Property taxes in Shelby County, where Houston is located, are typically lower than in many major Ohio metropolitan areas, which helps with overall affordability. However, it's important to budget for **flood insurance** if the property is near the Great Miami River or in a designated flood zone, as this will be a mandatory requirement from your mortgage lender. Your insurance agent can provide a precise quote during the homebuying process.
Why Choose a Mortgage Lender in Houston?
Local Market Knowledge
Lenders who understand Houston'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 Houston and get competitive rates on your home loan.