The Best Mortgage Lenders in Flint, TX
Compare verified mortgage lenders serving Flint, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Flint
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender with a robust local presence in Tyler, serving Flint and surrounding East Texas communities. Known for exceptional customer service, competitive rates, and expertise in a wide range of loan programs, they have built a strong reputation for guiding homebuyers through smooth and personalized mortgage processes. Their long-standing experience and high customer satisfaction scores make them a trusted choice for residential lending.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a nationally recognized lender with a dedicated Tyler branch that actively serves the Flint area. They are praised for their efficient, streamlined mortgage process, focus on customer communication, and ability to facilitate fast closings. With a commitment to community engagement and a wide array of loan options, they have earned high marks for reliability and client support in the region.
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Caliber Home Loans
Caliber Home Loans, Inc.
Caliber Home Loans operates a strong local branch in Tyler, providing comprehensive mortgage services to Flint residents. They are known for offering competitive interest rates, flexible loan products, and a customer-centric approach that includes dedicated loan officers. Their extensive experience and positive reviews highlight their
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Frequently Asked Questions
Common questions about mortgage lending in Flint, TX
What are the typical down payment requirements for homes in Flint, TX, given its market?
For Flint's competitive market, where median home prices are often more accessible than in major Texas metros, conventional loans typically require 5-20% down. However, many local lenders encourage buyers to explore FHA loans (3.5% down) or USDA loans, as parts of the Flint area may qualify for USDA's 0% down payment program due to its rural designation, making homeownership more attainable.
Are there any local or county-specific first-time homebuyer assistance programs available in Flint?
While Flint itself does not have a city-run program, homebuyers should look to Smith County and the East Texas Council of Governments (ETCOG). These entities occasionally offer down payment and closing cost assistance grants or affordable first-lien mortgage products for income-eligible buyers purchasing their first home within the county, including Flint.
How do property taxes in Smith County impact my mortgage payment in Flint?
Smith County property taxes are a significant component of your monthly mortgage escrow payment. The county's effective tax rate is notably higher than the national average, which can add several hundred dollars to your monthly payment. It's crucial to factor this into your budget, as a home's advertised price can be misleading without calculating the full PITI (Principal, Interest, Taxes, Insurance) payment.
What should I know about getting a mortgage for a home with land or acreage in Flint?
Flint is known for properties with larger lots. Financing these often requires a "non-warrantable" or rural land loan, as many conventional loan programs have limits on acceptable acreage. Local lenders and credit unions familiar with the area, like Southside Bank or Austin Bank, have more flexible underwriting for properties with 5-20+ acres, but may require larger down payments or different appraisal processes.
Is homeowner's insurance more expensive for mortgages in Flint, TX, due to any local risks?
Yes, insurance can be a notable cost. While Flint isn't in a high-risk coastal zone, East Texas is prone to severe thunderstorms, hail, and tornadoes. Mortgage lenders will require comprehensive coverage, and premiums may be higher than state averages. It's wise to shop around with local and regional insurers who understand the specific risk profile of the area.
Why Choose a Mortgage Lender in Flint?
Local Market Knowledge
Lenders who understand Flint'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 Flint and get competitive rates on your home loan.