The Best Mortgage Lenders in Florence, TX
Compare verified mortgage lenders serving Florence, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Florence
Featured Mortgage Lenders
Scott Popplewell
CrossCountry Mortgage, LLC
CrossCountry Mortgage's Georgetown office, led by Scott Popplewell, is one of the highest-rated mortgage lenders serving the Florence area. With over 15 years of experience and nearly 200 excellent reviews, they specialize in serving Central Texas communities. Their team offers personalized service with competitive rates on all major loan types, including specialized programs for veterans and first-time homebuyers. They have built a strong reputation for responsive communication and smooth closing processes throughout Williamson County.
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Michael S. Jones
Supreme Lending
Supreme Lending's Georgetown branch serves the Florence community with exceptional customer satisfaction ratings and comprehensive mortgage solutions. Founded in 1999, they bring over two decades of lending expertise to Central Texas homebuyers. They specialize in construction and renovation loans, which is particularly valuable for Florence's growing housing market. Their team is known for transparent pricing, flexible loan options, and local market knowledge that benefits rural Williamson County homebuyers.
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Sarah Gonzalez
Benchmark Mortgage
Benchmark Mortgage's Georgetown location provides expert lending services to Florence residents with a focus on personalized customer care. With nearly 20 years of industry experience, their team understands the unique needs of Central Texas homebuyers. They offer competitive rates across all loan programs and are particularly strong in construction lending and rural property financing. Their local presence and commitment to community involvement make them a trusted choice for Williamson County homeowners seeking reliable mortgage solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Florence, TX
What are the typical down payment requirements for homes in Florence, TX, given its rural character?
For most conventional loans in Florence, a 5-20% down payment is standard, but the area's more affordable price points compared to Austin can make saving easier. Many lenders also offer USDA Rural Development loans, which require 0% down, as a significant portion of Florence and its surroundings qualify for this program due to its designation as a rural area.
Are there any local or county-specific first-time homebuyer assistance programs available in Florence?
Yes, the City of Florence itself does not run a program, but homebuyers can access the **Texas State Affordable Housing Corporation (TSAHC)** down payment assistance grants and the **Bell County HOME Program**. These programs offer forgivable grants or low-interest second liens to help with down payments and closing costs for eligible buyers in Florence.
How do property taxes in Florence, TX, impact my mortgage payment and qualification?
Bell County property taxes are a significant component of your monthly payment. The combined tax rate for Florence ISD and Bell County is typically around 2.2-2.4%, which is moderately high. Lenders will factor this into your debt-to-income ratio, so it's crucial to get an accurate tax estimate early in the process to understand your true monthly obligation.
Is a home inspection especially important when getting a mortgage for an older home in Florence's historic districts?
Absolutely. Many homes in Florence's original neighborhoods are decades old. Lenders will require a standard appraisal, but a thorough, independent home inspection is critical to identify potential issues with foundations, plumbing, or electrical systems common in older Texas homes. This can prevent costly surprises and ensure the property meets basic lending standards.
With Florence being a commute town for Austin and Temple, do lenders view income from employment in these cities differently?
No, lenders treat stable W-2 income from employers in Austin, Temple, or anywhere else the same. However, if you are a self-employed contractor with a variable income or a long-distance commuter, be prepared to provide additional documentation of income stability and may need to explain the sustainability of the commute to your underwriter.
Why Choose a Mortgage Lender in Florence?
Local Market Knowledge
Lenders who understand Florence'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 Florence and get competitive rates on your home loan.