The Best Mortgage Lenders in Judson, TX
Compare verified mortgage lenders serving Judson, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Judson
Featured Mortgage Lenders
Mortgage Department
People's Trust & Mortgage
People's Trust & Mortgage has been serving East Texas communities including Judson for over two decades with exceptional customer service and competitive rates. As a locally-owned mortgage company, they specialize in personalized service and have built a strong reputation for guiding borrowers through the entire mortgage process. Their team of experienced loan officers provides expertise in various loan programs with particular strength in first-time homebuyer programs and VA loans, making them a top choice for Judson area residents seeking reliable mortgage financing.
Loan Types:
Mortgage Division
Southside Bank
Southside Bank is a well-established East Texas financial institution with deep roots in the region and multiple branches serving the Judson area. With over six decades of banking experience, their mortgage division offers competitive rates and comprehensive loan options with the convenience of local decision-making. Customers consistently praise their responsive service, transparent process, and knowledgeable loan officers who understand the local real estate market. Their strong community presence and commitment to customer satisfaction make them a trusted mortgage lender for Judson homeowners.
Loan Types:
Tyler/Longview Branch
PrimeLending
PrimeLending's Tyler branch serves the Judson area with national lending power combined with local expertise. As a PlainsCapital Company, they offer a wide range of mortgage products with competitive pricing and efficient processing. Their experienced loan officers are known for providing personalized guidance through the home financing process, with particular expertise in government-backed loans and first-time homebuyer programs. The company maintains strong relationships with local real estate professionals and has consistently high customer satisfaction ratings for their responsive service and smooth closing experiences.
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Frequently Asked Questions
Common questions about mortgage lending in Judson, TX
What are the typical down payment requirements for homes in Judson, TX, given its market?
For Judson's more affordable housing market, many conventional loans require a minimum of 3-5% down. However, due to the area's rural character, many buyers in Judson and surrounding Gregg County may qualify for USDA loans, which offer 0% down payment options for eligible properties and borrowers meeting income limits, making homeownership very accessible here.
Are there any local or county-specific first-time homebuyer assistance programs available in Judson?
Yes, the Texas State Affordable Housing Corporation (TSAHC) offers statewide programs like the Homes for Texas Heroes and Home Sweet Texas programs, which provide down payment assistance and competitive mortgage rates. These are accessible to Judson residents, particularly teachers, firefighters, and other public servants, and can be combined with the city's generally lower home prices for significant savings.
How do property taxes in Gregg County affect my mortgage payment in Judson?
Gregg County property taxes are a significant component of your monthly mortgage escrow payment. While Judson itself is an unincorporated community, the county's total tax rate (which includes school, county, and other district taxes) is typically around 2.0-2.3%. Lenders will calculate this into your debt-to-income ratio, so it's crucial to budget for this higher-than-national-average tax burden when determining how much house you can afford.
Is a home inspection especially important when getting a mortgage for a Judson property?
Absolutely. Given the age of many homes in the area and the potential for properties with more land or older septic/well systems, a thorough inspection is critical. Your mortgage lender will require certain inspections for loan approval, but a buyer-initiated general inspection can identify issues with foundations (common in East Texas clay soils), roofing, or plumbing that could affect the home's value and your long-term costs.
What type of mortgage lenders are most common and effective for the Judson, TX market?
While national banks and online lenders are options, many Judson homebuyers benefit from working with local Texas-based credit unions or community banks, as well as mortgage brokers familiar with East Texas. These local professionals have specific experience with the area's property types, appraisal processes, and can effectively navigate programs like USDA loans that are highly relevant to this community.
Why Choose a Mortgage Lender in Judson?
Local Market Knowledge
Lenders who understand Judson'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 Judson and get competitive rates on your home loan.