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Belton, TX

The Best Mortgage Lenders in Belton, TX

Compare verified mortgage lenders serving Belton, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
804+
Reviews
11
Loan Types

Available Loan Programs in Belton

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
First-time Homebuyer
ARM
Construction-to-Permanent
Renovation

Featured Mortgage Lenders

1

First Community Credit Union Mortgage Services

First Community Credit Union

★★★★☆
4.8/5

First Community Credit Union is one of the most highly-rated mortgage lenders serving the Belton area with exceptional customer satisfaction ratings. As a local credit union with deep roots in Central Texas, they offer personalized service and competitive rates that often beat larger national banks. Their mortgage team specializes in first-time homebuyer programs and offers comprehensive guidance throughout the entire home buying process. With multiple branches in Temple and Killeen, they provide convenient local access for Belton residents while maintaining strong community involvement and member-focused service.

Experience:15 years
Reviews:285 customer reviews
3001 Scott Blvd, Temple, TX 76504

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstructionFirst-time Homebuyer
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2

Benchmark Mortgage Temple Branch

Benchmark Mortgage

★★★★☆
4.7/5

Benchmark Mortgage's Temple branch serves the Belton community with exceptional expertise and local market knowledge. As a nationwide lender with strong Texas roots, they combine the resources of a large institution with personalized local service. Their team specializes in VA loans, making them particularly valuable for military families from Fort Hood. Customers consistently praise their responsive communication, streamlined process, and ability to close loans quickly. With decades of experience and extensive product options, they provide competitive rates and flexible solutions for all types of borrowers in the Belton area.

Experience:12 years
Reviews:192 customer reviews
1905 SW HK Dodgen Loop, Temple, TX 76504

Loan Types:

ConventionalFHAVAUSDAJumboARMRefinanceConstruction-to-Permanent
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3

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation

★★★★☆
4.9/5

Fairway Independent Mortgage Corporation maintains an excellent reputation in the Belton-Temple area with nearly perfect customer ratings. Their local Temple office provides comprehensive mortgage services with a focus on customer education and transparent communication. They are particularly noted for their competitive VA loan programs and first-time homebuyer assistance. The company has received numerous industry awards and consistently earns praise for their responsive loan officers who guide clients through every step of the mortgage process. Their strong local presence and commitment to community involvement make them a trusted choice for Belton homebuyers.

Experience:14 years
Reviews:327 customer reviews
1907 SW HK Dodgen Loop, Temple, TX 76504

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstructionRenovationFirst-time Homebuyer
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Frequently Asked Questions

Common questions about mortgage lending in Belton, TX

Are there any down payment assistance programs specifically for Belton, TX homebuyers?

Yes, Belton homebuyers can access the Texas Department of Housing and Community Affairs (TDHCA) programs like the My First Texas Home and Texas Mortgage Credit Certificate. These statewide programs are actively used in Belton and can provide down payment assistance and a federal tax credit. Additionally, some local lenders partner with specific grants for the Central Texas region.

How does Belton's growth and proximity to Fort Cavazos (formerly Fort Hood) affect mortgage lending?

Belton's steady growth and military neighbor create a stable housing demand, which lenders view favorably. For military personnel and veterans, VA loans are exceptionally common and competitive in Belton, with many local lenders highly experienced in processing them. This stability can sometimes lead to more favorable terms for conventional loans as well.

What are typical property taxes like in Belton, and how do they impact mortgage affordability?

Bell County property taxes are a significant factor, with combined rates (city, county, school district) often ranging from 2.0% to 2.5% of the home's appraised value. Lenders will carefully calculate this into your debt-to-income ratio, and you should budget for an escrow payment that can add hundreds to your monthly mortgage payment. It's crucial to get a precise tax estimate before determining your price range.

Are USDA loans a viable option for homes in Belton, TX?

Absolutely. While central Belton itself is likely ineligible, many of the surrounding areas and neighborhoods on the outskirts of the city are in USDA-designated rural areas. This zero-down-payment loan program can be an excellent fit for buyers looking at properties just outside the city limits, and local lenders are familiar with the specific eligible zones.

How competitive is the Belton housing market, and what does that mean for my mortgage pre-approval?

The Belton market can be competitive, especially for well-priced homes. A strong, verified pre-approval (not just a pre-qualification) from a reputable local lender is often essential to have your offer taken seriously by sellers. Given the competition, you may also need to be prepared for appraisal gaps, where your lender's loan amount is based on an appraisal that comes in below your offer price.

Nearby Cities

Explore mortgage lenders in cities near Belton, TX

Why Choose a Mortgage Lender in Belton?

Local Market Knowledge

Lenders who understand Belton'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 Belton and get competitive rates on your home loan.