The Best Mortgage Lenders in Easton, TX
Compare verified mortgage lenders serving Easton, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Easton
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation - Tyler Branch
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender with a strong presence in East Texas, known for competitive rates and exceptional customer service. Their Tyler branch serves Easton and surrounding areas, offering a wide range of loan options with personalized guidance. They excel in first-time homebuyer programs and have a reputation for smooth, efficient closings, backed by hundreds of positive reviews highlighting their responsiveness and expertise.
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Southside Bank
Southside Bank
As a longstanding regional bank, Southside Bank has deep roots in East Texas and provides reliable mortgage services to Easton residents. They offer competitive rates and a variety of loan products, with a focus on community-oriented lending. Customers praise their local decision-making, personalized service, and stability, making them a trusted choice for home financing in the region.
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Guild Mortgage Company - Longview Branch
Guild Mortgage Company
Guild Mortgage is a highly respected lender with a strong national presence and local expertise in East Texas, including Easton. They are renowned for their flexible loan options and dedicated customer support, often accommodating unique financial situations. With a focus on education and transparency, they have earned high marks for guiding borrowers through the entire mortgage process smoothly and efficiently.
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Frequently Asked Questions
Common questions about mortgage lending in Easton, TX
Are there any special mortgage programs for first-time homebuyers in Easton, TX?
While Easton itself doesn't offer city-specific programs, Texas-wide initiatives like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program are accessible to Easton residents. These programs provide competitive interest rates, down payment assistance, and mortgage credit certificates, which are particularly valuable in Gregg County's growing market. Working with a local lender familiar with these state programs is key to accessing these benefits.
How do property taxes in Easton, TX, affect my mortgage payment and qualification?
Gregg County, where Easton is located, has property tax rates that are a significant component of your monthly mortgage escrow payment. Rates are typically higher than the national average, which can impact your debt-to-income ratio during loan qualification. It's crucial to factor in these taxes, along with potential MUD (Municipal Utility District) or PID (Public Improvement District) fees in newer developments, when calculating your total monthly housing cost.
What type of property appraisal challenges are common for mortgages in Easton's rural and semi-rural areas?
In Easton's more rural parcels, appraisals can be complicated by a lack of recent, comparable sales ("comps"), unique property features like large acreage, or the need for well and septic inspections. Lenders may require appraisers with specific rural expertise, which can sometimes lengthen the loan process. It's advisable to work with a mortgage broker who has experience arranging financing for similar properties in Gregg County.
How does Easton's proximity to Longview and Tyler influence mortgage lending and property values?
Easton's location within commuting distance of the larger employment centers of Longview and Tyler is generally viewed positively by lenders, as it supports stable property values. This can lead to favorable loan terms. However, appraisals will often pull comparables from these broader markets, so regional price trends directly impact loan amounts and required down payments for Easton homes.
Are USDA Rural Development loans a viable option for mortgages in Easton, Texas?
Yes, given Easton's community profile, many areas likely qualify for USDA Section 502 Guaranteed Loans, which offer 100% financing (no down payment). This is a highly attractive program for eligible borrowers looking at homes in Easton's qualifying zones. A lender can confirm the specific property's eligibility using the USDA's online mapping tool, making it a powerful option for moderate-income buyers in the area.
Why Choose a Mortgage Lender in Easton?
Local Market Knowledge
Lenders who understand Easton'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 Easton and get competitive rates on your home loan.