The Best Mortgage Lenders in Fresno, TX
Compare verified mortgage lenders serving Fresno, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fresno
Featured Mortgage Lenders
Guild Mortgage
Guild Mortgage Company
Guild Mortgage is a top-rated lender serving the Fresno area with exceptional customer satisfaction ratings. As a direct lender with local processing and underwriting, they offer personalized service and competitive rates. Their strong reputation stems from extensive experience with Texas home financing, including first-time homebuyer programs and specialized loan options. The Sugar Land office provides convenient access for Fresno residents while maintaining deep knowledge of the local real estate market.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage has built an outstanding reputation in the Houston metropolitan area, including Fresno, with their efficient processing and exceptional customer service. They're known for their "On-Time Closing Guarantee" and streamlined digital mortgage experience. With strong local market expertise and competitive rate offerings, they consistently receive high marks for communication and closing efficiency. Their Houston-based team understands the unique aspects of the Greater Houston housing market.
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First Community Credit Union
First Community Credit Union
First Community Credit Union has been serving the Greater Houston area including Fresno for decades with competitive mortgage products and exceptional member service. As a not-for-profit financial institution, they often offer lower rates and fewer fees than traditional banks. Their local underwriting and decision-making process allows for personalized service and flexible solutions. With deep roots in the community and multiple nearby branches, they provide convenient access and understand the local real estate landscape.
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Frequently Asked Questions
Common questions about mortgage lending in Fresno, TX
What are the typical down payment requirements for homes in Fresno, TX, and are there local programs to assist with this?
In Fresno, typical down payments range from 3% for conventional loans to 3.5% for FHA loans, but many local lenders recommend 5-10% for stronger offers in this competitive market. Homebuyers should explore the Texas State Affordable Housing Corporation (TSAHC) programs, which offer down payment assistance grants and favorable mortgage rates specifically for Texas residents, including those in Fort Bend County.
How does Fresno's location in Fort Bend County affect property taxes and mortgage planning?
Fort Bend County has property tax rates that significantly impact monthly housing costs, often adding several hundred dollars to your mortgage payment when escrowed. It's crucial to factor in the county's current rate (combined with any Fresno MUD or emergency service district taxes) when determining your home affordability, as effective rates can exceed 2.5% of the home's assessed value annually.
Are there specific first-time homebuyer programs or incentives available for purchasing in Fresno, TX?
Yes, first-time homebuyers in Fresno can utilize statewide programs like TSAHC's Homes for Texas Heroes program for teachers, firefighters, and healthcare workers, or the Homes Sweet Texas Home Loan program. Additionally, some local credit unions and community banks in the Greater Houston area offer special first-time buyer mortgages with competitive rates and lower PMI for Fresno purchases.
What should I know about flood insurance requirements when getting a mortgage in Fresno, TX?
Due to Fresno's relatively flat terrain and proximity to Brazos River tributaries, many homes are in FEMA-designated flood zones (particularly Special Flood Hazard Areas). Lenders will require flood insurance as a condition for your mortgage if the property is in a high-risk zone, adding a mandatory cost to your monthly payment that must be escrowed.
How competitive is the mortgage lending environment in Fresno compared to the broader Houston metro area?
Fresno's mortgage market is competitive with many regional and national lenders operating here, but rates and terms can vary slightly from inner-Houston offerings. Due to Fresno's growth as a suburban community, some lenders offer specific "suburban advantage" products with streamlined processing for the area, though you'll generally find rates aligned with broader Texas/Houston regional averages.
Why Choose a Mortgage Lender in Fresno?
Local Market Knowledge
Lenders who understand Fresno'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 Fresno and get competitive rates on your home loan.