The Best Mortgage Lenders in Haslet, TX
Compare verified mortgage lenders serving Haslet, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Haslet
Featured Mortgage Lenders
RPM Mortgage
RPM Mortgage - DFW
RPM Mortgage has established itself as one of the highest-rated mortgage lenders in the Dallas-Fort Worth metroplex, serving Haslet and surrounding communities. With over a decade of experience, they specialize in personalized mortgage solutions and have built a reputation for exceptional customer service. Their team of experienced loan officers provides competitive rates and streamlined processing, making them a top choice for homebuyers in North Texas. They consistently receive 5-star reviews for their responsiveness, expertise, and ability to close loans efficiently.
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Benchmark Mortgage
Benchmark Mortgage - Fort Worth
Benchmark Mortgage has a strong presence in the Fort Worth area and serves Haslet with comprehensive mortgage services. As a direct lender with in-house underwriting and processing, they offer faster closings and more personalized service. They are particularly known for their expertise with VA loans and first-time homebuyer programs. With hundreds of positive reviews highlighting their professionalism and competitive rates, Benchmark has become one of the most trusted mortgage companies in Tarrant County and surrounding areas.
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Guild Mortgage
Guild Mortgage Company - Fort Worth
Guild Mortgage brings nearly two decades of mortgage lending experience to the Haslet area, offering a wide range of loan products with competitive rates. As a national lender with strong local roots, they combine the resources of a large institution with personalized service from local loan officers. They are particularly recognized for their educational approach, helping borrowers understand all available options. Guild consistently receives high marks for their transparent process, reliable communication, and ability to handle complex loan scenarios effectively.
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Frequently Asked Questions
Common questions about mortgage lending in Haslet, TX
Are there any special mortgage programs for first-time homebuyers in Haslet, Texas?
Yes, the Texas Department of Housing and Community Affairs (TDHCA) offers the My First Texas Home program, which provides down payment assistance and competitive interest rates. This is particularly valuable in Haslet's growing market, where saving for a down payment can be a challenge. Many local lenders are approved to originate these loans and can guide you through the eligibility requirements.
How do property taxes in Haslet impact my mortgage payment and qualification?
Haslet is located within Tarrant County, which has property tax rates that are significant and must be carefully factored into your debt-to-income ratio. Lenders will use an escrow account to include your estimated annual taxes (and insurance) in your monthly mortgage payment, which can add several hundred dollars to your PITI payment. It's crucial to get a precise tax estimate for your specific property, as rates can vary slightly between neighborhoods.
What is the typical down payment needed for a home in Haslet's competitive market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many buyers in Haslet successfully purchase with 3-5% down using conventional loans, or 3.5% down with an FHA loan. Given the demand for homes in this sought-after school district and its proximity to AllianceTexas, being prepared with a strong down payment, even if it's less than 20%, can make your offer more competitive.
Are USDA loans a viable option for homes in Haslet, TX?
Yes, a significant portion of Haslet is eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This is a major advantage for eligible buyers, as Haslet maintains its rural designation despite its growth. You should check the USDA eligibility map for the specific property address, as some newer subdivisions near major roads may not qualify.
How does the rapid growth and new construction in Haslet affect my mortgage choices?
The abundance of new construction in master-planned communities like Harvest offers opportunities for construction-to-permanent loans, which combine construction financing and a final mortgage into one closing. When buying a new build, it's important to work with a lender familiar with builder contracts and timelines. Additionally, appraisals in these new areas rely heavily on recent comparable sales, which can be volatile.
Why Choose a Mortgage Lender in Haslet?
Local Market Knowledge
Lenders who understand Haslet'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 Haslet and get competitive rates on your home loan.