The Best Mortgage Lenders in Steubenville, OH
Compare verified mortgage lenders serving Steubenville, Ohio. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Steubenville
Featured Mortgage Lenders
Huntington Mortgage
Huntington National Bank
As one of Ohio's most established financial institutions with a physical branch directly in Steubenville, Huntington Bank offers exceptional local mortgage services with the backing of a major regional bank. They consistently receive high marks for their personalized service, competitive rates, and deep understanding of the Ohio housing market. Their mortgage specialists provide comprehensive guidance through the entire homebuying process, making them a top choice for Steubenville residents seeking reliable, local mortgage expertise with the stability of a 150+ year institution.
Loan Types:
CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage maintains a strong physical presence in Steubenville with a local office staffed by mortgage experts who understand the specific needs of Jefferson County homebuyers. They are particularly praised for their responsive communication, streamlined application process, and ability to close loans quickly. With extensive experience serving the Ohio Valley region, they offer a wide variety of loan products and have built an outstanding reputation for helping both first-time and experienced homebuyers navigate the mortgage process with exceptional customer service.
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First Federal Lakewood
First Federal Lakewood
While headquartered in Lakewood, First Federal Lakewood has a significant presence throughout Eastern Ohio and actively serves the Steubenville market. As a community-focused financial institution with over 85 years of experience, they offer personalized mortgage solutions with the attention to detail that smaller lenders provide, combined with the resources of a established banking institution. They are particularly noted for their competitive rates, local underwriting decisions, and commitment to the communities they serve, making them an excellent choice for Steubenville area homebuyers seeking both value and personalized service.
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Frequently Asked Questions
Common questions about mortgage lending in Steubenville, OH
Are there any special down payment assistance programs for first-time homebuyers in Steubenville?
Yes, the Ohio Housing Finance Agency (OHFA) offers several programs, including grants for down payment and closing costs, which are widely accessible in Steubenville. Additionally, local lenders often partner with OHFA and may have knowledge of any city-specific or Jefferson County initiatives aimed at making homeownership more affordable for first-time buyers in the area.
How do property taxes in Steubenville and Jefferson County affect my mortgage payment and qualification?
Jefferson County has relatively moderate property tax rates compared to other Ohio urban areas, which can be a benefit for your debt-to-income ratio. When getting pre-approved, lenders will calculate an escrow payment based on the specific property's assessed value, so it's important to factor this into your overall monthly housing budget when shopping in different Steubenville neighborhoods.
What types of homes in Steubenville might qualify for renovation loans like the FHA 203(k)?
Given Steubenville's inventory of historic and older homes, particularly in neighborhoods like the North End, FHA 203(k) or HomeStyle Renovation loans can be excellent tools. These loans allow you to finance both the purchase price and the cost of renovations, which is practical for updating many of the city's charming but dated properties while keeping your financing streamlined.
Is it difficult to get a mortgage for a manufactured home in the Steubenville area?
Financing for manufactured homes is available but has specific requirements. The home must be on a permanent foundation and classified as real property (not personal property). Working with a local lender familiar with the parks and land-lease communities in and around Steubenville is crucial, as they can guide you on which properties meet the criteria for conventional, FHA, or VA financing.
How does Steubenville's lower median home price impact loan options and mortgage insurance?
The affordable home prices in Steubenville mean buyers may need a smaller loan amount, which can sometimes make it easier to qualify. Furthermore, with a strong down payment, you might avoid private mortgage insurance (PMI) altogether on a conventional loan. For FHA loans, the lower loan amounts result in lower upfront and annual mortgage insurance premiums, improving overall affordability.
Nearby Cities
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Why Choose a Mortgage Lender in Steubenville?
Local Market Knowledge
Lenders who understand Steubenville'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 Steubenville and get competitive rates on your home loan.