The Best Mortgage Lenders in Orangeville, OH
Compare verified mortgage lenders serving Orangeville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Orangeville
Featured Mortgage Lenders
Jason Channell
CrossCountry Mortgage, LLC
CrossCountry Mortgage is a top-rated national lender with strong local presence in Northeast Ohio. The Youngstown branch, led by experienced loan officer Jason Channell, serves Orangeville and surrounding communities with exceptional customer service and competitive rates. With over 20 years in business, they offer a comprehensive range of loan products and are particularly praised for their responsive communication and streamlined application process. Their high rating reflects consistent customer satisfaction and expertise in rural and suburban Ohio markets.
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Mark Zidian
Howard Hanna Financial Services
Howard Hanna is the largest regional real estate and mortgage services company in the Northeast Ohio area, with deep roots in communities like Orangeville. Their mortgage division offers local underwriting and decision-making, providing personalized service that national lenders can't match. With over 25 years of experience, they excel at navigating the unique aspects of Trumbull County real estate and offer competitive local rates. Customers consistently praise their knowledgeable staff and efficient closing processes.
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Michael DePasquale
First National Bank of Pennsylvania
First National Bank of Pennsylvania has been serving Northeast Ohio communities for over 150 years, with multiple branches throughout the Youngstown-Warren metropolitan area that serve Orangeville residents. They offer the advantage of local banking relationships combined with competitive mortgage products. Their experienced mortgage team provides personalized service and local decision-making, with particular expertise in rural and suburban property financing. Customers appreciate their transparency, competitive rates, and deep community commitment.
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Frequently Asked Questions
Common questions about mortgage lending in Orangeville, OH
What are typical down payment requirements for homes in Orangeville, Ohio, given the local market?
In Orangeville's more affordable market, many conventional loans are available with down payments as low as 3-5%. For the area's median home price, this often translates to a manageable cash requirement. Local lenders are also familiar with USDA Rural Development loans, which offer 0% down options for eligible properties in this qualifying rural area.
Are there any local or county-specific first-time homebuyer assistance programs available in Orangeville?
Yes, homebuyers in Orangeville should explore the Trumbull County First-Time Homebuyer Program. This program can provide down payment and closing cost assistance in the form of a deferred, forgivable loan. Eligibility is based on income and the purchase price of the home, which aligns well with Orangeville's housing stock.
How does Orangeville's rural location impact the mortgage appraisal process?
Appraisals in Orangeville can be more complex due to the rural setting and potentially fewer comparable recent sales ("comps"). Lenders may need to use comps from a wider geographic area, which can sometimes affect the appraised value. It's wise to work with a lender experienced in rural Ohio properties to navigate this smoothly.
What type of property insurance considerations are unique to an Orangeville mortgage?
Since many properties in the Orangeville area are on larger lots or in more secluded settings, lenders will require standard homeowners insurance. Additionally, if the home is not connected to a municipal sewer system and uses a septic tank, the lender may require a specific septic inspection as a condition of the loan.
Are mortgage rates in Orangeville, OH, different from the national average?
Mortgage rates are primarily set by national markets, so Orangeville rates are generally in line with national averages. However, your final rate will depend heavily on your personal credit profile and down payment. Building a relationship with a local credit union or community bank in Trumbull County can sometimes provide access to competitive, personalized loan offerings.
Why Choose a Mortgage Lender in Orangeville?
Local Market Knowledge
Lenders who understand Orangeville'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 Orangeville and get competitive rates on your home loan.