The Best Mortgage Lenders in Goliad, TX
Compare verified mortgage lenders serving Goliad, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Goliad
Featured Mortgage Lenders
New American Funding
New American Funding
New American Funding is a top-rated mortgage lender known for its exceptional customer service and competitive rates, serving Goliad and surrounding South Texas areas. With over two decades of experience, they specialize in a wide range of loan products, including government-backed options, and have built a strong reputation for reliability and personalized service. Their high ratings reflect consistent customer satisfaction and a commitment to helping borrowers navigate the home financing process efficiently.
Loan Types:
Caliber Home Loans
Caliber Home Loans
Caliber Home Loans is a highly regarded mortgage lender with a strong presence in Texas, offering comprehensive loan solutions to residents in Goliad and the broader region. Founded in 2008, they are praised for their competitive rates, flexible loan options, and dedicated customer support. Their extensive experience and positive reviews highlight their ability to handle diverse mortgage needs, from first-time homebuyers to refinancing, with a focus on transparency and efficiency.
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Movement Mortgage
Movement Mortgage
Movement Mortgage is a trusted lender serving Goliad and South Texas, known for its community-focused approach and fast, reliable service. With over 15 years in the industry, they excel in providing a variety of loan types, including programs for first-time homebuyers, and have earned high marks for customer satisfaction and competitive pricing. Their local presence and commitment to simplifying the mortgage process make them a top choice for borrowers in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Goliad, TX
Are there any special mortgage or down payment assistance programs for homebuyers in Goliad, Texas?
Yes, Goliad County and the surrounding area are served by the Texas State Affordable Housing Corporation (TSAHC). Homebuyers with moderate incomes may qualify for TSAHC's Homes for Texas Heroes or Home Sweet Texas programs, which offer competitive interest rates and down payment assistance in the form of a forgivable grant. It's also wise to check with local credit unions and banks for any community-specific first-time homebuyer initiatives.
How do property taxes in Goliad County impact my monthly mortgage payment and qualification?
Goliad County has a relatively high property tax rate, which significantly affects your total monthly payment (PITI). Lenders will factor this into your debt-to-income ratio during qualification. It's crucial to get an accurate estimate of annual taxes from the Goliad County Appraisal District when budgeting, as escrow payments for taxes can add several hundred dollars to your monthly mortgage obligation compared to areas with lower rates.
What types of properties might require specialized mortgage loans in the Goliad area?
Given the rural and historic nature of Goliad, you may encounter properties that need special financing. This includes homes on large acreage (over 10 acres), which may require a rural or "non-conforming" loan, and historic properties in the downtown district, which might need renovation loans like the FHA 203(k) if updates are needed. Standard conventional loans work for most typical single-family homes in town.
How does Goliad's slower market growth affect appraisals and the mortgage process?
Goliad's real estate market is less volatile and has fewer sales comparables ("comps") than major metros. This can sometimes lead to appraisal challenges, where an appraiser may have to look at properties in nearby towns like Victoria or Cuero. To smooth the mortgage process, your Realtor should prepare robust comparable sales data, and you may want to work with a lender familiar with appraisers in the rural South Texas region.
Are USDA Rural Development loans available for homes in Goliad, TX?
Absolutely. Most of Goliad County, including the city of Goliad, is eligible for USDA Single Family Housing Guaranteed Loans. This is a key program for the area, offering 100% financing (no down payment) for eligible borrowers and properties. It's an excellent option for moderate-income buyers looking at homes in the city limits or the surrounding countryside, as it specifically targets rural communities like Goliad.
Why Choose a Mortgage Lender in Goliad?
Local Market Knowledge
Lenders who understand Goliad'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 Goliad and get competitive rates on your home loan.