The Best Mortgage Lenders in Celina, TX
Compare verified mortgage lenders serving Celina, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Celina
Featured Mortgage Lenders
Texans Credit Union Mortgage Department
Texans Credit Union
Texans Credit Union stands out as one of North Texas's most trusted mortgage lenders with deep roots in the Celina area. Despite being headquartered in Dallas, they actively serve the growing Celina market with personalized service and competitive rates. Their mortgage team specializes in both new construction loans (highly relevant for Celina's rapid growth) and traditional purchase loans. Members consistently praise their responsive communication, local underwriting knowledge, and ability to close on time. As a credit union, they offer particularly attractive rates and fees to members.
Loan Types:
Homeowners Financial Group
Homeowners Financial Group LLC
Homeowners Financial Group has built an exceptional reputation serving the North Texas region including Celina, with numerous five-star reviews specifically mentioning their expertise in the Celina market. Their local loan officers understand the unique dynamics of Collin County's rapid growth and can navigate both new construction and existing home purchases. Customers consistently highlight their transparency throughout the process, competitive rate offerings, and exceptional communication. They're particularly noted for their expertise with VA loans and first-time homebuyer programs.
Loan Types:
Supreme Lending
Supreme Lending
Supreme Lending has been a dominant force in Texas mortgage lending for over two decades, with extensive experience serving the Celina and North Texas markets. They maintain a strong physical presence in the region with multiple local offices and loan officers who specialize in the unique needs of Celina homebuyers. Their comprehensive loan portfolio includes specialized programs for the area's many new construction projects. Customer reviews frequently mention their efficient processing, knowledgeable local staff, and ability to handle complex loan scenarios while maintaining competitive rates and fees.
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Frequently Asked Questions
Common questions about mortgage lending in Celina, TX
Are there any special mortgage programs for first-time homebuyers in Celina, TX?
Yes, the Texas Department of Housing and Community Affairs (TDHCA) offers the Texas Homebuyer Program, which provides down payment assistance and competitive fixed-rate mortgages. This is particularly valuable in Celina's growing market, where saving for a down payment can be a challenge. Many local lenders are approved to originate these loans and can guide you through the income and purchase price limits that apply.
How does Celina's rapid growth and new construction affect my mortgage options?
Celina's significant new construction means many buyers can utilize construction-to-permanent loans, which combine financing for building and the final mortgage into one package. Furthermore, lenders often have specific appraisal and underwriting considerations for new subdivisions, and it's wise to work with a lender experienced in the local builder agreements to ensure a smooth process.
What are typical property tax rates in Celina, and how do they impact my mortgage payment?
Celina is located within both Collin and Denton counties, with combined city, county, and school district tax rates typically ranging from 2.3% to 2.7% of the home's appraised value. This is a critical component of your monthly escrow payment. Your lender will calculate this into your debt-to-income ratio, and it's advisable to budget for potential annual increases as property values in this fast-appreciating area are reassessed.
Are USDA rural development loans available for homes in Celina, TX?
Yes, despite its growth, much of Celina still qualifies for USDA Section 502 Guaranteed Loans, which offer 100% financing with no down payment. The USDA eligibility map for the area is specific, so you must verify the exact property address. This can be an excellent option for eligible buyers looking in the more outlying parts of the city, offering significant savings.
How competitive is the mortgage lending environment in Celina's housing market?
Extremely competitive. Given Celina's hot seller's market, having a strong pre-approval from a reputable, responsive local lender is often a requirement for sellers to consider your offer. Rates and fees can vary, so it's beneficial to compare lenders who are familiar with the expedited timelines and appraisal challenges common in North Texas's high-demand markets.
Why Choose a Mortgage Lender in Celina?
Local Market Knowledge
Lenders who understand Celina'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 Celina and get competitive rates on your home loan.