SSL Secured
Privacy Protected
Licensed & Regulated
MortgageLenderNearMe
Jacksontown, OH

The Best Mortgage Lenders in Jacksontown, OH

Compare verified mortgage lenders serving Jacksontown, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
720+
Reviews
9
Loan Types

Available Loan Programs in Jacksontown

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer Programs
Renovation

Featured Mortgage Lenders

1

Park National Bank

Park National Bank

★★★★☆
4.8/5

As the dominant regional bank serving Licking County and surrounding areas, Park National Bank has deep roots in central Ohio communities including Jacksontown. With over a century of local banking experience, they offer personalized mortgage services through their extensive branch network. Their mortgage team provides competitive rates with local underwriting decisions, making them particularly strong for first-time homebuyers and those seeking construction loans. The bank maintains exceptional customer satisfaction ratings and is known for supporting local communities throughout their service area.

Experience:25 years
Reviews:185 customer reviews
50 North 3rd Street, Newark, OH 43055

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
Visit Website
2

Union Home Mortgage

Union Home Mortgage Corp.

★★★★☆
4.9/5

Union Home Mortgage has established itself as one of Ohio's premier mortgage lenders with multiple offices serving central Ohio, including the Jacksontown area. They consistently receive top ratings for their responsive service, competitive rates, and efficient closing processes. As a direct lender with in-house underwriting, they can offer faster approvals and more personalized service than many national competitors. Their loan officers have extensive experience with Ohio's diverse housing markets and specialize in both purchase and refinance transactions with various government-backed and conventional options.

Experience:18 years
Reviews:320 customer reviews
1272 West 3rd Avenue, Columbus, OH 43212

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceFirst-time Homebuyer Programs
Visit Website
3

Guild Mortgage Company

Guild Mortgage Company

★★★★☆
4.7/5

Guild Mortgage maintains a strong local presence in Licking County with their Newark office conveniently serving Jacksontown residents. With over 60 years in the mortgage industry nationwide and more than two decades serving central Ohio, they bring substantial expertise to the local market. They're particularly noted for their exceptional customer service and wide range of loan products, including specialized programs for first-time buyers and veterans. Their local loan officers understand the specific dynamics of the Jacksontown area real estate market and provide personalized guidance throughout the entire mortgage process.

Experience:22 years
Reviews:215 customer reviews
1435 West Main Street, Newark, OH 43055

Loan Types:

ConventionalFHAVAUSDAJumboRenovationRefinance
Visit Website

Frequently Asked Questions

Common questions about mortgage lending in Jacksontown, OH

What are the typical down payment requirements for a home in Jacksontown, given its rural setting and generally lower home prices?

While standard loans often require 3-5% down, Jacksontown's median home price being below state averages can make saving for a down payment more manageable. Many local lenders are familiar with USDA Rural Development loans, which offer 0% down payment options for eligible properties and borrowers in this designated rural area, making homeownership highly accessible.

Are there any special mortgage programs for first-time homebuyers in Licking County that apply to Jacksontown?

Yes, the **OHFA (Ohio Housing Finance Agency)** First-Time Homebuyer program is available statewide and offers competitive interest rates, down payment assistance, and tax credits. Additionally, the **Licking County Land Reutilization Corporation** (Land Bank) occasionally has programs for properties in the county, which can include Jacksontown, offering properties at reduced costs with renovation financing options.

How does Jacksontown's location between Newark and Columbus impact property appraisals and mortgage approval?

Appraisers will look at comparable sales ("comps") primarily within the Jacksontown and surrounding Hebron area, valuing its quiet, rural character. However, its proximity to Columbus and major employers like the nearby Amazon hub can positively influence appraised values due to stable demand from commuters, which lenders view favorably for long-term property value.

What should I know about well and septic inspections when getting a mortgage for a Jacksontown property?

Most rural properties in Jacksontown are not on city water or sewer. Lenders will typically require a satisfactory water quality test from a certified lab and a septic system inspection by the Licking County Health Department as a condition for loan approval. Budgeting for these inspections (and any potential repairs) early in the process is crucial.

Are mortgage rates in Jacksontown different from those in nearby cities like Newark or Columbus?

Mortgage rates are generally set by national markets and your personal credit profile, not your specific town. However, working with a local lender or credit union familiar with Licking County, such as Park National Bank or Licking County Federal Credit Union, can provide access to competitive rates and a deeper understanding of underwriting for rural properties, which can streamline the process.

Nearby Cities

Explore mortgage lenders in cities near Jacksontown, OH

Why Choose a Mortgage Lender in Jacksontown?

Local Market Knowledge

Lenders who understand Jacksontown'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 Jacksontown and get competitive rates on your home loan.