The Best Mortgage Lenders in Campbell, TX
Compare verified mortgage lenders serving Campbell, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Campbell
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a nationally recognized mortgage lender with a strong presence in Texas, known for its innovative digital platform and competitive rates. They consistently receive high customer satisfaction ratings for their efficient processing and personalized service. With over two decades of experience, they offer a wide range of loan products and have local loan officers who serve the Campbell area, ensuring responsive support and expertise in the North Texas market.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly-rated lender praised for its community-focused approach and fast closing times. They have a robust regional presence in Texas and are known for exceptional customer service, with many reviews highlighting their transparency and support throughout the loan process. Serving Campbell and surrounding areas, they offer various loan options tailored to local needs, backed by years of reliable performance and strong industry credentials.
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Prosperity Bank
Prosperity Bank
Prosperity Bank is a trusted regional bank with deep roots in Texas, offering personalized mortgage services through its local branches in Hunt County. They are renowned for their competitive rates, long-standing community involvement, and high customer satisfaction. With over two decades of experience, they provide a full suite of lending products and have a dedicated team that serves Campbell residents, ensuring reliable, face-to-face service and strong local knowledge.
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Frequently Asked Questions
Common questions about mortgage lending in Campbell, TX
What are the typical down payment requirements for buying a home in Campbell, TX, given its rural market?
In Campbell's more affordable market, many conventional loans are available with down payments as low as 3-5%. For eligible buyers, USDA loans offer a significant local advantage with 0% down payment, as much of the area qualifies for this rural development program. FHA loans with 3.5% down are also common for first-time buyers.
Are there any local or county-specific first-time homebuyer assistance programs available in Campbell?
While Campbell itself does not have a city-run program, Hunt County, where Campbell is located, occasionally administers down payment assistance grants through the Texas State Affordable Housing Corporation (TSAHC). These programs have income and purchase price limits and can provide valuable assistance for qualifying buyers in the Campbell area.
How do property taxes in Hunt County impact my mortgage payment and qualification in Campbell?
Hunt County property tax rates are a significant component of your monthly payment, typically ranging from 2.0% to 2.5% of the home's assessed value. Lenders will factor this into your debt-to-income ratio, and it's common to see annual taxes add $300-$500 or more to your monthly escrow payment on a median-priced home in Campbell.
What type of property insurance considerations are unique to getting a mortgage in Campbell, TX?
Due to Campbell's rural location in North Texas, lenders will require standard homeowners insurance, but you may also need to consider additional coverage. Depending on the specific property, this can include flood insurance (even outside FEMA zones due to local creeks) and possibly a separate policy for wind/hail, which is common in this region of Texas.
How does the appraisal process work for unique or older properties in Campbell's housing market?
Campbell has a mix of newer builds and older, character homes. For unique or non-standard properties, lenders often require appraisers with specific knowledge of the local Hunt County market. This can sometimes take longer, and the appraisal may rely more on comparable sales from surrounding towns like Greenville or Commerce, which can affect the final valuation.
Why Choose a Mortgage Lender in Campbell?
Local Market Knowledge
Lenders who understand Campbell'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 Campbell and get competitive rates on your home loan.