The Best Mortgage Lenders in Harleton, TX
Compare verified mortgage lenders serving Harleton, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harleton
Featured Mortgage Lenders
Austin Bank
Austin Bank, N.A.
Austin Bank is a deeply established East Texas institution with over a century of service to the Harleton area. As a community-focused bank with multiple locations throughout the region, they offer personalized mortgage services with local decision-making. Their experienced loan officers provide competitive rates on a wide variety of loan products, including specialized rural lending options suitable for the Harleton market. The bank maintains exceptional customer satisfaction ratings due to their hands-on approach and deep understanding of local property markets.
Loan Types:
PrimeLending Tyler
PrimeLending, A PlainsCapital Company
PrimeLending maintains a strong presence in East Texas with their Tyler office actively serving the Harleton community. They consistently earn top ratings for their efficient processing, competitive rates, and exceptional customer service. As a national mortgage lender with deep local roots, they offer the best of both worlds - extensive loan product options combined with personalized, local service. Their team specializes in first-time homebuyer programs and veteran loans, with particular expertise in rural property financing appropriate for the Harleton area.
Loan Types:
Guild Mortgage - Longview
Guild Mortgage Company
Guild Mortgage's Longview branch provides comprehensive mortgage services to Harleton residents with a reputation for exceptional customer care and reliable service. As an employee-owned company, they've built strong relationships throughout East Texas with their commitment to making homeownership accessible. They excel in government-backed loans and offer unique programs like their Zero Down Payment option. Their local loan officers have extensive knowledge of the Harleton market and provide personalized guidance through every step of the mortgage process.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Harleton, TX
What are the typical down payment requirements for homes in Harleton, TX, given its rural market?
In Harleton's more affordable market, many conventional loans can be secured with a 5% down payment, and FHA loans are popular with just 3.5% down. For properties on larger lots or with acreage, which are common in the area, some lenders may have slightly stricter requirements, so it's important to discuss your specific property type with a local lender familiar with rural East Texas.
Are there any first-time homebuyer assistance programs specifically for Harrison County or Harleton residents?
Yes, the Texas State Affordable Housing Corporation (TSAHC) offers down payment assistance grants and favorable mortgage rates to eligible first-time buyers statewide, which Harleton residents can access. Additionally, it's worth checking with local credit unions and community banks, as they sometimes have special programs for residents within their service area in East Texas.
How does Harleton's location in a flood zone affect the mortgage process?
Given Harleton's proximity to the Sabine River and its rural setting, lenders will require a flood zone determination. If the property is in a designated Special Flood Hazard Area (SFHA), you will be mandated to purchase flood insurance as a condition of the loan, which will be factored into your monthly escrow payment and debt-to-income ratio.
What type of property appraisals are common for Harleton's mix of older homes and land?
Appraisals in Harleton often require a "rural property" specialist who can accurately value not just the home but also the land, outbuildings, and any unique features like wells or septic systems. For USDA loans, which are relevant here, the appraisal includes a specific assessment of the property's eligibility based on location and condition.
Is a USDA loan a good option for buying a home in Harleton, TX?
Absolutely. Harleton's designation as a rural area makes most of it eligible for USDA loans, which offer 100% financing (no down payment) and competitive rates. This is a particularly attractive option for moderate-income buyers looking at the many homes on larger lots outside the immediate town center, as it can significantly lower the barrier to entry.
Why Choose a Mortgage Lender in Harleton?
Local Market Knowledge
Lenders who understand Harleton'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 Harleton and get competitive rates on your home loan.