The Best Mortgage Lenders in Plainfield, OH
Compare verified mortgage lenders serving Plainfield, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Plainfield
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service and competitive rates, serving Plainfield and surrounding Ohio areas. With over 28 years of experience, they specialize in a wide range of loan products and have a strong local presence through dedicated loan officers. Their high customer satisfaction ratings stem from personalized service, fast processing times, and community involvement, making them a reliable choice for homebuyers in the region.
Loan Types:
CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage is a highly reputable lender with a strong track record in Ohio, including service to Plainfield. Founded in 2003, they offer comprehensive mortgage solutions with a focus on flexibility and customer education. Their high ratings are backed by numerous positive reviews highlighting responsive communication, competitive rates, and expertise in various loan types. As a nationwide company with local branches, they provide accessible, reliable service for both purchase and refinance needs.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a well-regarded lender that serves Plainfield and other Ohio communities with a commitment to speed and simplicity. Established in 2008, they have built a reputation for efficient loan processing and excellent customer support, often closing loans faster than industry averages. Their competitive rates, combined with a focus on community engagement and educational resources, make them a top choice for homebuyers seeking a stress-free mortgage experience in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Plainfield, OH
Are there any special down payment assistance programs for first-time homebuyers in Plainfield, OH?
Yes, homebuyers in Plainfield can access statewide programs like Ohio Heroes and the Grants for Grads program, which offer down payment assistance and favorable terms for eligible professions and recent graduates. Additionally, the Ohio Housing Finance Agency (OHFA) offers multiple 30-year fixed-rate loan options with down payment assistance grants that do not require repayment, which are applicable in Medina County.
How do property taxes in Medina County affect my mortgage payments in Plainfield?
Medina County property taxes are a significant component of your monthly escrow payment. The county's effective tax rate is moderately high compared to national averages, so lenders will calculate this into your debt-to-income ratio. It's crucial to get a precise tax estimate when budgeting, as taxes can adjust after a home purchase based on the sale price.
What types of properties in Plainfield might require specialized mortgage loans?
Given Plainfield's mix of newer subdivisions and more rural properties, you may need a specialized loan if purchasing a home on a larger lot (over 5 acres), which some lenders consider "non-standard." Additionally, if you're looking at older homes in the historic areas, an FHA 203(k) renovation loan could be a valuable tool to finance both purchase and repairs.
Is it difficult to get a USDA rural development loan in Plainfield, Ohio?
Not at all. A significant portion of Plainfield and the surrounding area in Medina County is eligible for USDA Rural Development loans, which offer 100% financing. This is a major advantage for eligible buyers seeking a home in a less densely populated area, making homeownership more accessible with no down payment requirement.
How does Plainfield's competitive housing market impact the mortgage pre-approval process?
With a relatively low inventory of homes, Plainfield's market can be competitive. A strong, verified pre-approval (not just a pre-qualification) from a local lender is often essential to have your offer taken seriously by sellers. Sellers favor buyers who can demonstrate solid financing quickly, so working with a lender familiar with Medina County's appraisal processes is key.
Nearby Cities
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Why Choose a Mortgage Lender in Plainfield?
Local Market Knowledge
Lenders who understand Plainfield'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 Plainfield and get competitive rates on your home loan.