The Best Mortgage Lenders in Campbellton, TX
Compare verified mortgage lenders serving Campbellton, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Campbellton
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender with a strong presence in South Texas, including service to Campbellton. Known for exceptional customer service and competitive rates, they have built a reputation for reliability and transparency over nearly three decades. Their team offers personalized mortgage solutions, including specialized loans for rural areas like Atascosa County, and consistently receives high marks for efficiency and support throughout the home buying process.
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Supreme Lending
Supreme Lending
Supreme Lending is a highly reputable mortgage company with deep roots in Texas, serving Campbellton and surrounding areas. With over two decades of experience, they are praised for their competitive rates, flexible loan options, and dedicated local support. Customers highlight their responsiveness and expertise in handling various mortgage types, making them a trusted choice for homebuyers in rural and urban communities alike.
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Caliber Home Loans
Caliber Home Loans
Caliber Home Loans is a nationally recognized lender with a strong regional presence in South Texas, offering comprehensive mortgage services to Campbellton residents. Founded in 2008, they combine innovation with personalized service, providing competitive rates and a wide range of loan products. Their commitment to customer satisfaction is reflected in high review scores, emphasizing smooth processes and expert guidance for both first-time and experienced homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Campbellton, TX
What are the typical mortgage rates available for homebuyers in Campbellton, TX?
Mortgage rates in Campbellton are generally aligned with national and Texas state averages, but can be influenced by local lender competition and property types common to the area, such as rural acreages. As of recent trends, rates for a 30-year fixed mortgage in Atascosa County typically range from the mid-6% to low-7% APR, but shopping with local credit unions and regional banks is key to finding the best deal. Your specific rate will depend heavily on your credit score, down payment, and the loan program you choose.
Are there any special mortgage programs for first-time homebuyers in Campbellton?
Yes, first-time homebuyers in Campbellton can access the Texas Department of Housing and Community Affairs (TDHCA) programs like the My First Texas Home loan, which offers competitive interest rates, down payment assistance, and mortgage credit certificates. Additionally, local lenders familiar with Atascosa County may offer portfolio loans or special programs for buyers looking at the area's more rural properties, which aren't always eligible for standard programs.
How does the appraisal process work for a rural property in Campbellton, given the mix of land and homes?
Appraising rural properties in Campbellton can be more complex than in urban areas due to the unique combination of land value, well/septic systems, and comparable sales being farther apart. Lenders will typically require an appraiser with specific experience in rural Atascosa County valuations. It's important to be prepared for a potentially longer process and to ensure your loan officer understands the nuances of financing land-with-home purchases common in the area.
What should I know about property taxes and insurance when calculating my mortgage payment in Campbellton?
Property taxes in Atascosa County, where Campbellton is located, are a significant component of your monthly payment. The county's effective tax rate is notable, so it's crucial to get an accurate tax estimate from the Atascosa County Appraisal District. Furthermore, due to the rural setting, homeowners insurance may include additional considerations for wind/hail coverage or distance from fire hydrants, which can affect your overall escrow payment.
Are USDA Rural Development loans a viable option for mortgages in Campbellton, TX?
Absolutely. Given Campbellton's location, many properties in the area are eligible for USDA Rural Development loans, which offer 100% financing (no down payment) for qualified buyers and properties. This is a highly relevant program for the community, as it directly supports homeownership in designated rural areas. You should verify a specific property's eligibility using the USDA website and work with a lender experienced in processing these loans.
Why Choose a Mortgage Lender in Campbellton?
Local Market Knowledge
Lenders who understand Campbellton'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 Campbellton and get competitive rates on your home loan.