The Best Mortgage Lenders in Sixes, OR
Compare verified mortgage lenders serving Sixes, Oregon. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Sixes
Featured Mortgage Lenders
First Community Credit Union Mortgage Department
First Community Credit Union
First Community Credit Union stands out as the premier local mortgage lender serving the Southern Oregon coast region including Sixes. With deep community roots since 1955, they offer personalized service and competitive rates specifically tailored to coastal Oregon properties. Their mortgage team has extensive experience with rural properties and understands the unique needs of Sixes area homeowners. Members consistently praise their responsive service, local decision-making, and commitment to finding the right loan products for each borrower's situation.
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Greg Mahoney
Guild Mortgage Company
Greg Mahoney at Guild Mortgage brings exceptional expertise to Sixes area homebuyers with nearly perfect customer ratings. Guild Mortgage, founded in 1960, combines national strength with local expertise through experienced loan officers like Greg who specialize in coastal Oregon properties. They're particularly strong with government-backed loans (VA, FHA, USDA) that work well in rural areas like Sixes. Customers consistently highlight Greg's communication skills, thorough explanations, and ability to navigate complex rural property financing.
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Sterling Savings Bank Mortgage Division
Sterling Savings Bank
Sterling Savings Bank has been serving Oregon communities since 1983 with a strong presence throughout the Southern Oregon coast region. Their experienced mortgage team specializes in construction loans and land purchases that are common in areas like Sixes. With local decision-making authority and deep understanding of coastal property values, they provide reliable financing solutions for both primary residences and vacation properties. Customers appreciate their straightforward approach, competitive construction loan terms, and expertise with rural property challenges.
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Frequently Asked Questions
Common questions about mortgage lending in Sixes, OR
What are typical mortgage rates like for homes in Sixes, OR, and how do they compare to the national average?
Mortgage rates in Sixes generally align with national averages, but local lenders may offer competitive terms due to the rural nature of Curry County. Borrowers with strong credit can often secure rates slightly below the national average through local credit unions like Rogue Credit Union or Selco Community Credit Union, which have a strong presence in the region. It's always wise to get multiple quotes, as rates can vary between lenders serving Oregon's South Coast.
Are there any down payment assistance programs specifically for buyers in Sixes or Curry County?
Yes, homebuyers in Sixes can access statewide programs like the Oregon Bond Residential Loan Program (with Oregon Cash Advantage for down payment assistance) and the Portland Housing Center's "We Can Help" program, which is available to qualified buyers statewide. These programs offer competitive interest rates and down payment assistance in the form of a second mortgage, which can be particularly helpful given the area's median income levels. Working with a local lender familiar with these programs is crucial for successful navigation.
How does the appraisal process work for a unique or rural property in Sixes, given its location near the coast and forested areas?
Appraising rural properties in Sixes requires an appraiser with specific expertise in valuing land, wells, septic systems, and potentially fire risk assessments, which are common in this forested region. The process may take longer and cost more than in urban areas due to the need for specialized comparables and travel. It's important to work with a lender who has experience with rural Oregon properties to ensure a smooth appraisal.
What should I know about property taxes and insurance when getting a mortgage in Sixes, OR?
Curry County property taxes are relatively moderate for Oregon, but you should budget for them in your monthly payment. A critical consideration is homeowners insurance, which can be higher and more complex due to wildfire risk in the surrounding forests and potential flood zones near the Sixes River. Your lender will require adequate coverage, so obtaining insurance quotes early in the homebuying process is essential to avoid surprises.
Are USDA Rural Development loans a common and good option for buying a home in Sixes?
Absolutely. Sixes is eligible for USDA Rural Development loans, which are a popular and excellent option for this area as they require no down payment for qualified buyers. Given the town's rural designation and income limits, many residents can qualify for this program, making homeownership more accessible. These loans are ideal for the area's property types and can be obtained through approved local lenders.
Why Choose a Mortgage Lender in Sixes?
Local Market Knowledge
Lenders who understand Sixes'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 Sixes and get competitive rates on your home loan.