The Best Mortgage Lenders in Angleton, TX
Compare verified mortgage lenders serving Angleton, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Angleton
Featured Mortgage Lenders
First Source Credit Union Mortgage Department
First Source Credit Union
First Source Credit Union stands as Angleton's premier local mortgage lender with deep community roots and exceptional member service. As a not-for-profit financial institution, they offer highly competitive rates and personalized mortgage solutions tailored to Brazoria County residents. Their mortgage team provides comprehensive guidance through the entire home buying process, with particular expertise in first-time homebuyer programs and VA loans. With over 65 years serving the community, they've built a reputation for transparency, local decision-making, and commitment to helping members achieve homeownership through affordable lending options.
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Allied First Bank Mortgage Team
Allied First Bank
Allied First Bank has established itself as a top regional mortgage lender serving the Greater Houston area including Angleton and Brazoria County. Known for their competitive rates and efficient loan processing, they specialize in both purchase and refinance transactions with particular strength in construction lending and government-backed loans. Their local loan officers provide personalized service with the backing of a community-focused bank that maintains local underwriting and decision-making. Customers consistently praise their responsiveness, attention to detail, and ability to close loans on time.
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Supreme Lending - Pearland Branch
Supreme Lending
Supreme Lending's Pearland office serves Angleton and surrounding communities with exceptional mortgage services and nationally recognized expertise. As a multi-award winning mortgage company, they combine the resources of a national lender with the personalized service of a local boutique. Their team specializes in complex loan scenarios and offers an extensive portfolio of loan products with competitive pricing. With nearly 25 years in business, they've built a stellar reputation for customer satisfaction, technological innovation in the loan process, and commitment to closing loans efficiently while providing outstanding communication throughout the mortgage journey.
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Frequently Asked Questions
Common questions about mortgage lending in Angleton, TX
Are there any down payment assistance programs specifically for Angleton, TX, homebuyers?
Yes, Angleton homebuyers can access the Texas State Affordable Housing Corporation (TSAHC) programs, which offer down payment assistance grants and competitive mortgage rates statewide. Additionally, the city's location in Brazoria County may make you eligible for certain county-level or regional lender programs designed to promote homeownership in the area, often with income and credit score requirements.
How do property taxes in Angleton impact my monthly mortgage payment?
Brazoria County, which includes Angleton, has property tax rates that are a significant component of your monthly escrow payment. The combined city, county, and school district rates in Angleton are typically competitive within the region but are a crucial factor in affordability. Your lender will calculate these into your Debt-to-Income (DTI) ratio, so it's important to get an accurate estimate early in the process.
What is a typical down payment requirement for a conventional loan on an Angleton home?
While conventional loans can go as low as 3% down, for the Angleton market, many lenders prefer or require 5-10% down for a competitive offer, especially given the area's steady but competitive market. A higher down payment can also help you avoid private mortgage insurance (PMI) or secure a better interest rate from local and regional lenders familiar with the area.
Are USDA loans a viable option for homes in Angleton, TX?
Yes, Angleton is located in a USDA-eligible rural development zone, making 100% financing (no down payment) USDA loans a popular and viable option for qualified buyers. This can be a major advantage for purchasing in the area, but the property must meet USDA eligibility criteria, and borrowers must meet income limits specific to Brazoria County.
How does Angleton's proximity to major employers like the Dow complex affect mortgage lending?
Lenders view stable employment favorably, and working for a major employer like Dow or in the related industrial sector can strengthen your mortgage application. Some local credit unions or banks may even offer special mortgage programs or discounts for employees of these major area employers. Be prepared to provide proof of stable employment and income, which is a key factor in loan approval.
Why Choose a Mortgage Lender in Angleton?
Local Market Knowledge
Lenders who understand Angleton'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 Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Angleton and get competitive rates on your home loan.