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Paulding, OH

The Best Mortgage Lenders in Paulding, OH

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

3
Top Lenders
4.7
Avg Rating
400+
Reviews
10
Loan Types

Available Loan Programs in Paulding

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

Featured Mortgage Lenders

1

First Federal Bank of the Midwest Mortgage Team

First Federal Bank of the Midwest

★★★★☆
4.8/5

First Federal Bank of the Midwest stands out as Paulding's premier local mortgage lender with deep community roots and exceptional customer satisfaction. As a community bank headquartered right in Paulding, they offer personalized service and local underwriting decisions that larger institutions can't match. Their mortgage team has extensive experience with rural housing loans including USDA programs that are particularly relevant to Paulding County residents. Customers consistently praise their competitive rates, transparent process, and the ability to work directly with local decision-makers throughout the loan process.

Experience:15 years
Reviews:120 customer reviews
101 N Main St, Paulding, OH 45879

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
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2

Superior Credit Union Mortgage Department

Superior Credit Union

★★★★☆
4.7/5

Superior Credit Union has established itself as one of Northwest Ohio's most trusted mortgage lenders with strong presence throughout Paulding County. As a member-owned financial cooperative, they consistently offer highly competitive rates and lower fees than many traditional banks. Their mortgage specialists are particularly skilled with first-time homebuyer programs and VA loans, serving the significant veteran population in the region. Members appreciate the personalized guidance throughout the homebuying process and the credit union's commitment to financial education and community support.

Experience:12 years
Reviews:185 customer reviews
Multiple Northwest Ohio locations including nearby Defiance and Lima

Loan Types:

ConventionalFHAVAFirst-time HomebuyerRefinanceHome Equity
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3

Guild Mortgage Company - Northwest Ohio

Guild Mortgage Company

★★★★☆
4.6/5

Guild Mortgage brings national lending power with local expertise to Paulding homebuyers, combining competitive pricing with exceptional service. As a dedicated mortgage lender (not a full-service bank), they specialize exclusively in home loans, allowing for more focused expertise and efficient processing. Their Northwest Ohio team has particular strength with rural development loans and agricultural property financing that suits Paulding's market. Guild receives consistent praise for their responsive communication, smooth closing processes, and ability to handle complex loan scenarios that other lenders might decline.

Experience:18 years
Reviews:95 customer reviews
Serving Paulding County with nearby offices in Findlay and Lima

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceRenovation
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Frequently Asked Questions

Common questions about mortgage lending in Paulding, OH

Are there any special mortgage programs for first-time homebuyers in Paulding, Ohio?

Yes, the Ohio Housing Finance Agency (OHFA) offers several programs, including down payment assistance grants and competitive first-time homebuyer loans, which are available to eligible buyers in Paulding County. Additionally, local lenders often have knowledge of USDA Rural Development loans, which are highly relevant for the Paulding area and can offer 100% financing with no down payment for qualifying properties and borrowers.

How do property taxes in Paulding County affect my mortgage payments and qualification?

Paulding County has relatively modest property tax rates compared to urban Ohio areas, which can be advantageous for your debt-to-income ratio when qualifying for a mortgage. Your lender will calculate an escrow payment for these taxes as part of your monthly mortgage payment. It's wise to get an estimate of taxes on your specific property from the Paulding County Auditor's office, as rates can vary slightly between townships.

What type of property appraisal challenges are common in the Paulding, OH area?

Appraisals in a rural county like Paulding can sometimes be challenging due to a lower volume of recent, comparable home sales ("comps"). This is especially true for unique properties on large lots or acreage. Working with a lender who uses appraisers familiar with the local rural market is crucial to ensure an accurate valuation that supports your loan amount.

Are USDA loans a common and good option for mortgages in Paulding, Ohio?

Absolutely. Given Paulding's rural designation, USDA Single-Family Housing Guaranteed Loans are an extremely popular and advantageous option. They allow for 100% financing, have competitive interest rates, and are designed for low-to-moderate income households. Most of Paulding County is eligible, making it a top program to discuss with local lenders.

How does the local Paulding real estate market influence the mortgage process?

Paulding's market is typically less competitive and has more affordable home prices than state averages, which can mean less pressure from bidding wars and more time for mortgage processing. However, inventory can be limited, so getting a strong mortgage pre-approval from a local bank or credit union is key to making a credible offer when you find the right home.

Nearby Cities

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Why Choose a Mortgage Lender in Paulding?

Local Market Knowledge

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