The Best Mortgage Lenders in Aubrey, TX
Compare verified mortgage lenders serving Aubrey, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Aubrey
Featured Mortgage Lenders
CrossCountry Mortgage, LLC
CrossCountry Mortgage, LLC
CrossCountry Mortgage's Denton office serves the Aubrey area with exceptional customer satisfaction ratings. They specialize in personalized mortgage solutions with competitive rates and have built a strong reputation for guiding clients through the entire home financing process. Their local team understands the North Texas market dynamics and offers a comprehensive range of loan products with dedicated support from application to closing.
Loan Types:
PrimeLending
PrimeLending, A PlainsCapital Company
PrimeLending has extensive experience serving the North Texas region including Aubrey, with a strong focus on customer education and transparent lending practices. They offer competitive rates and a wide variety of loan programs, particularly excelling in first-time homebuyer assistance and renovation loans. Their local mortgage experts provide personalized service and have consistently high customer satisfaction ratings.
Loan Types:
Texans Credit Union
Texans Credit Union
Texans Credit Union serves the entire North Texas region including Aubrey, offering member-focused mortgage solutions with competitive rates and lower fees. As a not-for-profit financial cooperative, they prioritize member satisfaction over profits, resulting in exceptional customer service and personalized attention. Their mortgage team provides comprehensive guidance through the home financing process with various loan options tailored to individual needs.
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Frequently Asked Questions
Common questions about mortgage lending in Aubrey, TX
Are there any down payment assistance programs specifically for first-time homebuyers in Aubrey, Texas?
Yes, homebuyers in Aubrey can access statewide programs like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program, which offers competitive interest rates and down payment assistance. Additionally, Denton County may have local initiatives, and many lenders in the area are well-versed in these programs, which are particularly helpful given the area's growing home prices.
How do property taxes in Denton County affect my mortgage payments in Aubrey?
Denton County property taxes are a significant component of your monthly mortgage payment, as they are typically escrowed. Aubrey's rates are part of the county's structure, which can be higher than the national average. It's crucial to factor this into your budget, as a higher tax bill increases your total monthly payment beyond just principal and interest.
What types of loans are most common for purchasing homes in Aubrey's expanding market?
Given Aubrey's mix of new construction and established homes, conventional loans are very popular, especially for the many new subdivisions. FHA loans are also common for buyers with smaller down payments. For rural-eligible properties on the outskirts, USDA loans can be an excellent option with zero down payment requirements.
How does Aubrey's rapid growth impact mortgage lending and appraisals?
Aubrey's fast-paced development can sometimes lead to appraisal gaps, where the appraised value comes in below the contract price in competitive bidding situations. Lenders familiar with the local market are essential, as they understand the appreciation trends in specific subdivisions and can guide you on how to structure your offer and loan to mitigate this risk.
Are there specific lenders or credit unions in the Aubrey area that offer special mortgage rates or programs for local residents?
While national lenders are active, local institutions like Texans Credit Union and other regional banks often have strong community ties and may offer special promotions or have more flexibility for residents of Denton County. Building a relationship with a local lender can be advantageous for personalized service and understanding Aubrey's unique market dynamics.
Why Choose a Mortgage Lender in Aubrey?
Local Market Knowledge
Lenders who understand Aubrey'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 Aubrey and get competitive rates on your home loan.