The Best Mortgage Lenders in Girard, TX
Compare verified mortgage lenders serving Girard, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Girard
Featured Mortgage Lenders
Security National Bank Mortgage Team
Security National Bank
Security National Bank has been serving North Texas communities for over 30 years with a strong focus on personalized mortgage solutions. As a community bank with deep roots in the region, they offer competitive rates and local underwriting decisions, making them particularly well-suited for rural properties in areas like Girard. Their mortgage team provides comprehensive guidance through the entire home financing process with exceptional customer service ratings and quick turnaround times.
Loan Types:
Foundation Mortgage
Foundation Mortgage
Foundation Mortgage is a highly-rated local mortgage broker serving the Wichita Falls area and surrounding rural communities including Girard. With nearly two decades of experience, they specialize in finding the best loan programs for each borrower's unique situation. Their team excels at navigating rural property financing and offers personalized service with transparent communication. They consistently receive top marks for their expertise in USDA and VA loans, which are particularly relevant for Girard area homebuyers.
Loan Types:
Guild Mortgage - Abilene Team
Guild Mortgage Company
Guild Mortgage brings national lending power with local expertise to serve rural Texas communities like Girard. With over 60 years in the mortgage industry, their Abilene office has built a strong reputation for serving the West Texas region. They offer a wide range of loan products including specialized programs for rural properties and first-time homebuyers. Their local loan officers understand the unique aspects of financing homes in smaller communities and provide exceptional guidance throughout the mortgage process.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Girard, TX
What are the typical down payment requirements for homes in Girard, TX, given its rural market?
In Girard's affordable rural market, many conventional loans are available with down payments as low as 3-5%. For eligible buyers, USDA Rural Development loans offer a significant advantage with 0% down payment, as Girard qualifies for this program due to its population and location. Local lenders are very familiar with these products.
Are there any local or county-specific first-time homebuyer assistance programs available in Girard?
While Girard itself does not have a city-run program, homebuyers should explore the Texas State Affordable Housing Corporation (TSAHC) programs, which offer down payment assistance and favorable mortgage rates statewide. Additionally, checking with local credit unions or banks in nearby communities like Hamlin may reveal specific grants or closing cost assistance for the county.
How does the appraisal process work for a rural property in Girard, and are there any unique challenges?
Appraising rural properties in Girard can be more complex due to fewer comparable sales ("comps"). Lenders often require appraisers with specific rural experience. The process may take longer, and the value can be influenced by land size, well/septic systems, and agricultural use, so it's crucial to work with a lender experienced in rural Texas appraisals.
What type of property insurance considerations are unique to getting a mortgage in Girard, TX?
Beyond standard homeowners insurance, lenders in Girard will often require separate windstorm/hail insurance due to the region's exposure to severe weather. If the property is on well and septic, you may also need specific coverage for those systems. It's advisable to get insurance quotes early in the mortgage process as they can impact your total monthly payment.
How do mortgage rates in Girard compare to the national average, and what local factors influence them?
Mortgage rates in Girard are generally aligned with national averages but can be slightly influenced by local lender competition and the perceived risk of rural properties. Working with a local or regional bank that understands the stability of the Jones County economy can sometimes yield competitive terms. Your specific rate will depend more on your credit profile and loan type than the city itself.
Why Choose a Mortgage Lender in Girard?
Local Market Knowledge
Lenders who understand Girard'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 Girard and get competitive rates on your home loan.