The Best Mortgage Lenders in Burlington, TX
Compare verified mortgage lenders serving Burlington, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Burlington
Featured Mortgage Lenders
Brad Blackwell
Churchill Mortgage
Churchill Mortgage is a highly-rated regional lender with strong presence across North Texas, serving the Burlington area with exceptional customer satisfaction. Brad Blackwell's team specializes in personalized mortgage solutions with competitive rates and comprehensive guidance through the entire home financing process. Their commitment to education-first approach and local market expertise makes them a top choice for Burlington homebuyers seeking conventional, government-backed, and specialty loan programs.
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Kelly Zubricky
Guild Mortgage
Guild Mortgage maintains an excellent reputation throughout Texas with local loan officers who understand the unique needs of rural communities like Burlington. Kelly Zubricky and her team provide exceptional service with a focus on first-time homebuyers and government-backed loans. Their streamlined digital process combined with personalized local service ensures competitive rates and smooth closings for clients throughout the region.
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Chris Holland
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a nationally recognized lender with strong local presence in the Fort Worth region, actively serving Burlington and surrounding rural communities. Chris Holland's team is known for their expertise in rural property financing and construction loans, offering competitive rates and exceptional customer service. Their extensive experience with diverse property types and commitment to local community support makes them a trusted choice for Burlington area homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Burlington, TX
What are the typical down payment requirements for homes in Burlington, TX, given its rural market?
In Burlington's rural Leon County market, many lenders can offer USDA Rural Development loans, which require **0% down payment** for eligible borrowers and properties. For conventional loans, a 3-5% down payment is common, but some local lenders may have specific programs for the area. It's important to work with a lender familiar with the unique property types and valuations in this region.
Are there any special property considerations for getting a mortgage on Burlington's more rural or acreage properties?
Yes, lenders will often require a more detailed appraisal for properties with significant acreage, outbuildings, or well/septic systems, which are common in Burlington. They will assess the value of the land separately from any improvements and ensure the property meets specific eligibility criteria, especially for government-backed loans like USDA or FHA.
What local or state programs are available to help first-time homebuyers in Burlington, TX?
Texas homebuyers can access the **Texas Department of Housing and Community Affairs (TDHCA)** programs, which offer down payment assistance and competitive mortgage rates for first-time buyers. While not Burlington-specific, these statewide programs are highly applicable here. Additionally, some local credit unions or community banks may offer special first-time buyer products for the area.
How do property taxes in Leon County impact mortgage affordability and escrow in Burlington?
Leon County has a relatively moderate property tax rate compared to major Texas metros, but taxes are still a significant part of your monthly payment. Your lender will calculate an escrow payment based on the county's effective tax rate and the appraised value of the home. It's wise to budget for potential increases as property values in the area rise.
Is homeowner's insurance more expensive for mortgages in Burlington due to its rural location?
Insurance costs can be higher than in suburban areas due to factors like distance from a fire hydrant or fire station, which affects the Fire Protection Class (FPC) rating. Your lender will require adequate coverage, and you may need to shop for insurers specializing in rural properties. This cost is included in your monthly escrow payment alongside taxes.
Why Choose a Mortgage Lender in Burlington?
Local Market Knowledge
Lenders who understand Burlington'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 Burlington and get competitive rates on your home loan.