The Best Mortgage Lenders in Huntington, OR
Compare verified mortgage lenders serving Huntington, Oregon. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huntington
Featured Mortgage Lenders
Banner Bank Mortgage
Banner Bank
Banner Bank is a highly-rated regional financial institution with strong Eastern Oregon presence, serving Huntington and surrounding communities for over 130 years. They offer comprehensive mortgage services with local decision-making and personalized service. Their Baker City branch is the closest full-service banking location to Huntington, providing competitive rates and specialized rural property lending expertise. Customers consistently praise their knowledgeable loan officers and streamlined application process.
Loan Types:
Citizens Bank
Citizens Bank
Citizens Bank has been serving Eastern Oregon communities for over 65 years with a strong focus on local mortgage lending. Their Baker City location provides convenient access for Huntington residents seeking personalized mortgage solutions. They excel in rural property financing and offer competitive rates with local underwriting. The bank receives excellent reviews for their responsive customer service and expertise in navigating unique property situations common in rural Eastern Oregon.
Loan Types:
Guild Mortgage Company
Guild Mortgage Company
Guild Mortgage has a strong regional presence with their Ontario, Oregon office serving the Huntington area. As a dedicated mortgage lender with over 60 years of experience, they offer a wide range of loan products and have particular expertise in rural and semi-rural properties. Their loan officers are praised for their accessibility and ability to close loans efficiently. Guild maintains high customer satisfaction ratings for their transparent process and competitive rate offerings throughout Eastern Oregon.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Huntington, OR
What are the current mortgage rates like in Huntington, OR, and how do they compare to state averages?
Mortgage rates in Huntington typically align with national and state averages, but local lenders may offer competitive terms due to the smaller market. It's important to note that as a rural community, Huntington might have slightly different rate offerings compared to larger Oregon cities like Portland, so shopping with local credit unions and regional banks is advisable for the best deals.
Are there any down payment assistance programs available specifically for homebuyers in Huntington?
Yes, homebuyers in Huntington can access statewide Oregon programs like the Oregon Bond Residential Loan Program (with Oregon Cash Advantage for down payment assistance) and local programs from lenders like the Oregon Community Credit Union. These are particularly valuable in Huntington, where median home prices are lower than the state average, making assistance funds go further.
How does the appraisal process work in Huntington given its rural location on the Snake River?
Appraisals in Huntington can be more complex due to the limited number of recent comparable home sales ("comps") in the immediate area. Appraisers often need to look at properties in nearby towns or consider the unique value of riverfront or large rural parcels. This process can sometimes take longer than in urban markets, so buyers should build extra time into their closing timeline.
What should I know about property types and loan eligibility when buying in Huntington?
Huntington has a mix of traditional single-family homes and more unique rural properties, including land with older manufactured homes. Financing for manufactured homes, especially if not on a permanent foundation, can be challenging and may require a specialized loan product like an FHA Title I or a USDA loan, depending on the property's condition and location.
Is USDA Rural Development financing a good option for Huntington homebuyers?
Absolutely. Given Huntington's location and population size, most of the area is eligible for USDA loans, which offer 100% financing with no down payment. This is one of the most advantageous programs for buyers in Huntington, as it directly supports homeownership in eligible rural areas and can be combined with moderate income levels typical for the region.
Why Choose a Mortgage Lender in Huntington?
Local Market Knowledge
Lenders who understand Huntington'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 Oregon.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Huntington and get competitive rates on your home loan.