The Best Mortgage Lenders in Kirkersville, OH
Compare verified mortgage lenders serving Kirkersville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kirkersville
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in central Ohio, including Kirkersville. Known for its competitive rates and digital mortgage process, the company has earned high customer satisfaction scores for its efficient service and wide range of loan options. With over two decades of experience, they provide personalized support and have numerous positive reviews highlighting their responsiveness and expertise in the Ohio market.
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loanDepot
loanDepot, LLC
loanDepot is a reputable national lender serving Kirkersville and the broader Licking County area, praised for its competitive pricing and extensive loan products. Founded in 2010, it has built a solid reputation for customer service, with many reviews noting smooth closings and helpful staff. Their local Columbus office ensures accessible support for homebuyers in the region, making them a reliable choice for mortgages in Ohio.
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New American Funding
New American Funding
New American Funding is a highly-rated mortgage lender with a strong track record in Ohio, including service to Kirkersville. Established in 2003, they are known for their diverse loan options and commitment to community lending, with many customers praising their transparency and support throughout the mortgage process. Their Columbus branch provides local expertise, ensuring timely and personalized service for homebuyers in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Kirkersville, OH
Are there any first-time homebuyer programs specifically for Kirkersville, OH, that can help with down payment or closing costs?
While there are no programs exclusive to Kirkersville, as a resident of Licking County, you have access to statewide Ohio Housing Finance Agency (OHFA) programs. These offer competitive interest rates, down payment assistance grants, and tax credits. It's crucial to work with an OHFA-approved lender who is familiar with the application process for these benefits in our local market.
How does Kirkersville's rural location and smaller population affect the mortgage appraisal process compared to nearby cities like Columbus?
Appraisals in Kirkersville can be more challenging due to fewer recent comparable home sales ("comps"). Appraisers may need to look at a wider geographic area or older sales, which can sometimes impact the appraised value. Using a local lender familiar with Licking County's rural and suburban markets can help ensure the appraiser has the proper context for your property.
What are typical property taxes like for a home in Kirkersville, and how do they impact my mortgage payment?
Property taxes in Kirkersville and the surrounding Licking County are generally moderate compared to national averages but can vary based on the specific school district (often Southwest Licking or Licking Heights). Your lender will calculate an estimated monthly escrow payment for taxes as part of your total mortgage payment, which is a critical factor in budgeting for a home here.
As a village, does Kirkersville have any unique requirements or inspections that could affect my mortgage closing timeline?
Kirkersville itself does not typically have village-specific inspections that delay mortgages beyond standard Ohio requirements. However, if you are purchasing a home with a septic system and well water—common in the area—your lender will require passing tests from the Licking County Health Department, which must be scheduled and completed prior to closing.
With Kirkersville being close to major employers in Columbus and Newark, are there any special mortgage programs for commuters or specific professions?
There are no geographically specific "commuter" loans, but many lenders offer special mortgage programs for professionals like doctors, teachers, or first responders that feature low down payments or waived mortgage insurance. Additionally, your stable employment with a major area employer will be a strong positive factor in your mortgage application and debt-to-income ratio calculation.
Why Choose a Mortgage Lender in Kirkersville?
Local Market Knowledge
Lenders who understand Kirkersville'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 Kirkersville and get competitive rates on your home loan.