The Best Mortgage Lenders in Huntsville, OH
Compare verified mortgage lenders serving Huntsville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huntsville
Featured Mortgage Lenders
Scott Kerns
Union Savings Bank
Union Savings Bank is a highly-rated community bank with strong presence throughout Logan County and surrounding areas, serving Huntsville residents with personalized mortgage solutions. With over a century of community banking experience, they offer competitive rates and local decision-making. Their mortgage team, led by experienced professionals like Scott Kerns, provides exceptional customer service with deep knowledge of rural and small-town property financing needs in Ohio.
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Jason Kerns
Superior Credit Union
Superior Credit Union is a member-owned financial institution serving multiple counties including Logan County where Huntsville is located. They have earned excellent reviews for their mortgage lending services, particularly for first-time homebuyers and rural property financing. Their local branch in Bellefontaine provides convenient access for Huntsville residents, and they're known for competitive rates, personalized service, and comprehensive mortgage options tailored to the local market.
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Mortgage Department
Civista Bank
Civista Bank is a well-established regional bank with strong roots throughout west-central Ohio, including service to Huntsville residents. With over 135 years of community banking experience, they offer local mortgage expertise and decision-making. Their Bellefontaine branch serves as a convenient hub for Huntsville homebuyers, providing competitive mortgage rates and a wide range of loan products. They're particularly noted for their construction lending expertise and personalized approach to rural property financing.
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Frequently Asked Questions
Common questions about mortgage lending in Huntsville, OH
What are the typical down payment requirements for homes in Huntsville, OH, given its rural market?
In Huntsville's more affordable market, many conventional loans require a 5% down payment, though some lenders may offer 3% programs. For FHA loans, which are common here, the minimum is 3.5% down. Local lenders are familiar with appraisals in the area and can guide you based on the specific property type, whether it's a village home or a more rural property.
Are there any local or county-specific first-time homebuyer assistance programs available in Huntsville?
Yes, homebuyers in Huntsville can access programs through the Logan-Union-Champaign (LUC) Housing Coalition, which serves Logan County. They offer down payment and closing cost assistance in the form of a deferred, forgivable loan. It's crucial to work with a lender approved by these programs, as not all are, and funds are limited.
How does the appraisal process work for a rural property or acreage just outside Huntsville village limits?
Appraising rural properties requires a specialist familiar with land valuation and comparable sales in Logan County. Lenders will order an appraisal that considers the land value, well and septic systems (which are common), and access. This process can take longer and may have stricter requirements than for a standard village lot.
What type of mortgage rates can I expect in Huntsville, OH, compared to national averages?
Rates in Huntsville are generally aligned with national averages, but your specific rate will depend heavily on your credit profile and loan type. For well-qualified buyers, rates may be very competitive. Working with a local credit union or community bank can sometimes provide favorable terms, especially if you have an existing relationship.
Are USDA Rural Development loans a viable option for mortgages in Huntsville, Ohio?
Absolutely. Much of the area around Huntsville qualifies for USDA Section 502 Guaranteed Loans, which offer 100% financing (no down payment). This is a highly attractive program for eligible buyers with moderate incomes looking at properties in the designated rural areas. A local lender can confirm a specific property's eligibility.
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Why Choose a Mortgage Lender in Huntsville?
Local Market Knowledge
Lenders who understand Huntsville'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 Huntsville and get competitive rates on your home loan.