The Best Mortgage Lenders in Saint Paris, OH
Compare verified mortgage lenders serving Saint Paris, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Saint Paris
Featured Mortgage Lenders
Tim Rettig
Union Savings Bank
Union Savings Bank has been serving the Saint Paris and surrounding Miami County area for over 100 years, making them one of the most established local mortgage lenders. As a community bank with deep roots in the region, they offer personalized service and local underwriting decisions. Their mortgage team, led by experienced professionals like Tim Rettig, specializes in helping rural and small-town homebuyers with various loan programs including USDA loans perfect for Saint Paris properties. The bank maintains exceptional customer satisfaction ratings and offers competitive rates with the advantage of local decision-making.
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Scott Homan
Wright-Patt Credit Union
As Ohio's largest credit union, Wright-Patt Credit Union has a strong presence throughout the Saint Paris region with multiple branches in nearby cities. They offer highly competitive mortgage rates and exceptional member service, consistently ranking among the top mortgage lenders in the Dayton/Springfield metro area. Their mortgage specialists have extensive experience with rural properties and agricultural areas like Saint Paris. WPCU provides comprehensive mortgage services including first-time homebuyer programs, VA loans for military families, and various refinancing options with personalized guidance throughout the entire process.
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Mortgage Department
Security National Bank
Security National Bank has been serving Clark County and surrounding areas including Saint Paris for over 135 years, providing exceptional local mortgage lending services. Their experienced mortgage team specializes in rural and small-town home financing, offering expertise with USDA loans that are particularly relevant for Saint Paris homebuyers. As a community-focused bank, they provide personalized service with local underwriting and decision-making. They offer competitive rates and a wide range of mortgage products, including construction loans for building new homes in the Saint Paris area, backed by their longstanding reputation for reliability and customer satisfaction.
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Frequently Asked Questions
Common questions about mortgage lending in Saint Paris, OH
Are there any special mortgage or down payment assistance programs for homebuyers in Saint Paris, Ohio?
Yes, Saint Paris homebuyers can access statewide Ohio programs like the Ohio Housing Finance Agency's (OHFA) "Your Choice! Down Payment Assistance," which offers 2.5% or 5% of the loan amount as a grant. Additionally, some Champaign County initiatives may offer local assistance. It's crucial to work with an OHFA-approved lender who is familiar with these programs to navigate the application process for this rural market.
How do property taxes in Champaign County and Saint Paris specifically impact my mortgage payment?
Champaign County has relatively moderate property tax rates compared to urban Ohio counties. Your lender will calculate an escrow payment as part of your monthly mortgage to cover these taxes. It's wise to review the recent tax history of any property, as taxes can vary between the village of Saint Paris and the surrounding township, directly affecting your total monthly housing cost.
What are typical mortgage rates and lender availability for a home in a small town like Saint Paris?
Mortgage rates in Saint Paris align with national and state averages, but your specific rate will depend on credit and loan type. While Saint Paris itself has few physical bank branches, numerous regional lenders, credit unions (like Champaign Credit Union), and online lenders actively serve the area. Getting pre-approved with a lender familiar with rural appraisals and properties is highly recommended.
Are there specific mortgage considerations for buying older or historic homes in Saint Paris?
Absolutely. Saint Paris has many charming, older homes. Financing these may require a specialized appraisal to ensure the property meets lending standards. Loans like the FHA 203(k) renovation loan can be valuable for homes needing updates. An inspection is critical to identify potential issues with foundations, roofs, or outdated electrical/plumbing systems that could affect loan approval.
How does the appraisal process work for Saint Paris properties, given its mix of village homes and rural land?
Appraisals here must account for unique "comps" (comparable sales). With fewer recent sales than in a city, an appraiser may need to look at a wider geographic area or adjust for differences in lot size (e.g., a home on several acres versus a village lot). This can sometimes lead to valuation challenges, so having a local real estate agent and a lender who uses experienced appraisers is key.
Nearby Cities
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Why Choose a Mortgage Lender in Saint Paris?
Local Market Knowledge
Lenders who understand Saint Paris'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 Saint Paris and get competitive rates on your home loan.