The Best Mortgage Lenders in Rogers, OH
Compare verified mortgage lenders serving Rogers, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Rogers
Featured Mortgage Lenders
Mortgage Department
Farmers National Bank
Farmers National Bank is one of the most established and highly-rated regional banks serving Rogers and surrounding Columbiana County areas. With deep community roots dating back to 1887, they offer personalized mortgage services through local branches. Their mortgage team receives exceptional reviews for competitive rates, transparent process, and local decision-making. As a community bank, they understand the specific needs of rural Ohio homeowners and offer a complete range of mortgage products with the personal touch that national lenders can't match.
Loan Types:
Mortgage Lending Team
Home Savings Bank
Home Savings Bank has been serving the Mahoning Valley region including Rogers, Ohio for over a century. They maintain a strong local presence with multiple branches throughout the area and specialize in understanding the unique mortgage needs of Eastern Ohio residents. Their mortgage department receives consistently high marks for customer service, competitive rates, and smooth closing processes. They offer specialized first-time homebuyer programs and have expertise with both rural properties and suburban homes throughout Columbiana County.
Loan Types:
Local Mortgage Office
Union Home Mortgage
Union Home Mortgage operates a highly-rated local branch in Canfield that actively serves Rogers and surrounding communities. With over 40 years in business, they've built an exceptional reputation for mortgage expertise and customer satisfaction. They offer a comprehensive range of loan products with competitive rates and are particularly noted for their efficient processing and excellent communication throughout the loan process. Their local loan officers have extensive knowledge of the Columbiana County real estate market and maintain strong relationships with local real estate professionals.
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Frequently Asked Questions
Common questions about mortgage lending in Rogers, OH
What are the typical down payment requirements for homes in Rogers, OH, given its rural market?
In Rogers' more affordable market, many conventional loans are available with down payments as low as 3-5%. For eligible buyers, USDA loans are a popular option as they offer 100% financing with no down payment, which is highly advantageous in this designated rural area. Local lenders are very familiar with these USDA guidelines.
Are there any special first-time homebuyer programs or grants available specifically for Rogers, OH?
Yes, the Ohio Housing Finance Agency (OHFA) offers several statewide programs, including down payment assistance grants and favorable interest rates, which are accessible to Rogers residents. Additionally, some local lenders may partner with county-level initiatives in Columbiana County that provide closing cost assistance for qualifying first-time buyers purchasing within the county.
How do property taxes in Rogers, OH, impact my mortgage payment and qualification?
Property taxes in Rogers and Columbiana County are generally moderate compared to urban Ohio areas, which can help with debt-to-income ratio qualification. Your lender will use the county's effective tax rate to calculate an accurate escrow payment. It's wise to confirm the exact tax amount with the county auditor, as rates can vary slightly between townships.
What type of home appraisal challenges are common in the Rogers area that could affect my mortgage?
Due to the rural nature and older housing stock, appraisals in Rogers can sometimes be challenging due to a lack of recent, comparable sales ("comps"). Lenders familiar with the area will work with appraisers who understand the local market nuances. For unique or very rural properties, a USDA or FHA appraisal may have specific well and septic system requirements.
Is it difficult to find lenders familiar with the Rogers, OH, real estate market, or should I use a big national bank?
While national banks are an option, working with a local or regional lender or credit union with experience in Columbiana County is highly beneficial. These lenders have a deeper understanding of USDA lending, local property values, and can often provide more personalized service, which is valuable in a smaller, rural market like Rogers.
Why Choose a Mortgage Lender in Rogers?
Local Market Knowledge
Lenders who understand Rogers'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 Rogers and get competitive rates on your home loan.