The Best Mortgage Lenders in Jacksonville, TX
Compare verified mortgage lenders serving Jacksonville, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Jacksonville
Featured Mortgage Lenders
Mortgage Department
Austin Bank
Austin Bank is a deeply rooted East Texas institution with over a century of service to the Jacksonville community. As a local community bank with a dedicated mortgage division, they offer personalized service and competitive rates with the advantage of local decision-making. Their mortgage team specializes in all major loan types including government-backed FHA and VA loans, which are popular in the military-friendly Jacksonville area. With their main headquarters just 30 minutes away in Jacksonville, they maintain strong local relationships and understand the specific needs of Cherokee County homebuyers.
Loan Types:
Tyler Branch
Supreme Lending
Supreme Lending is a highly-rated national mortgage company with a strong regional presence in East Texas, serving the Jacksonville area from their Tyler branch just 30 minutes away. They consistently receive excellent customer reviews for their efficient processing, competitive rates, and knowledgeable loan officers. Specializing in both purchase and refinance transactions, they offer a comprehensive range of loan products with particular expertise in VA loans, making them an excellent choice for military families connected to nearby bases. Their 25 years of experience and A+ BBB rating demonstrate their reliability and commitment to customer satisfaction.
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Local Mortgage Experts
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation maintains one of the highest customer satisfaction ratings in the mortgage industry and actively serves the Jacksonville area from their Tyler location. With nearly three decades of experience, they've built a reputation for exceptional service, competitive pricing, and streamlined loan processes. Their local loan officers have extensive knowledge of the East Texas housing market and specialize in helping first-time homebuyers, military families, and those with unique financing needs. The company consistently ranks among the top mortgage lenders nationally while maintaining the personalized service of a local provider.
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Frequently Asked Questions
Common questions about mortgage lending in Jacksonville, TX
What are the current mortgage rates like in Jacksonville, TX, and how do they compare to the state average?
Mortgage rates in Jacksonville typically align closely with national and Texas state averages, as it's a smaller market. However, local lenders may offer competitive rates due to lower overhead costs. It's wise to compare offers from local credit unions, like Austin Bank or Southside Bank, alongside national lenders, as they often have strong community lending programs.
Are there any down payment assistance programs specifically for homebuyers in Jacksonville, TX?
Yes, homebuyers in Jacksonville can access statewide programs like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program, which offers down payment assistance and competitive rates. Additionally, the Cherokee County Community Action agency may have local resources or grants for eligible low-to-moderate income buyers purchasing within the city.
How does the appraisal process work in Jacksonville given its mix of historic homes and newer developments?
Appraisals in Jacksonville must account for diverse property types, from historic homes in the Love's Lookout area to newer subdivisions. An appraiser familiar with the local market will compare similar properties ("comps") within the city and account for unique features. This local expertise is crucial for an accurate valuation, especially for older homes that may have renovation needs.
What should I know about property taxes and insurance when calculating my mortgage payment in Jacksonville?
Cherokee County property taxes are a significant component of your monthly payment, with rates that can vary. Additionally, due to Texas's weather, lenders will require homeowners insurance that often includes wind/hail coverage. It's important to get accurate tax estimates and insurance quotes early in the process to avoid payment surprises.
As a first-time homebuyer in Jacksonville, are there local homebuyer education resources I should use?
Absolutely. The TDHCA requires homebuyer education for its assistance programs, and you can find approved courses online. Locally, consulting with a HUD-approved housing counselor or a loan officer at a Jacksonville-based bank can provide invaluable, personalized advice on navigating the local market and available programs.
Why Choose a Mortgage Lender in Jacksonville?
Local Market Knowledge
Lenders who understand Jacksonville'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 Jacksonville and get competitive rates on your home loan.