The Best Mortgage Lenders in Keene, TX
Compare verified mortgage lenders serving Keene, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Keene
Featured Mortgage Lenders
Supreme Lending
Supreme Lending, Inc.
Supreme Lending is a highly-rated Texas-based mortgage lender with a strong presence in the DFW metroplex, serving Keene and surrounding areas. Founded in 1999, they have built a reputation for exceptional customer service, competitive rates, and a wide range of loan options. With over two decades of experience, they are known for their efficient processing, personalized guidance, and high customer satisfaction scores, making them a top choice for homebuyers in Johnson County.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a nationally recognized mortgage lender with a strong local footprint in Texas, including service to Keene. Founded in 2000, they offer innovative digital tools and competitive pricing, backed by high customer ratings for transparency and speed. Their extensive loan portfolio and dedicated local advisors ensure personalized service for homebuyers in rural and suburban areas like Keene, with a focus on reliability and community engagement.
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New American Funding
New American Funding
New American Funding is a top-rated mortgage lender with a significant presence in Texas, actively serving Keene and the broader DFW region. Established in 2003, they are praised for their diverse loan programs, including options for first-time homebuyers and those with unique financial needs. Their commitment to customer education, competitive rates, and efficient closing processes has earned them high marks for satisfaction and trustworthiness in the mortgage industry.
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Frequently Asked Questions
Common questions about mortgage lending in Keene, TX
What are the typical down payment requirements for homes in Keene, TX, given its rural character?
For most conventional loans in Keene, a 20% down payment is standard to avoid private mortgage insurance (PMI). However, due to the area's rural designation, many properties may qualify for USDA loans, which offer 100% financing with no down payment required. FHA loans are also popular here, requiring as little as 3.5% down, making homeownership accessible for many buyers.
Are there any local or county-specific first-time homebuyer assistance programs available in Johnson County or Keene?
While Keene itself does not have a city-run program, Johnson County and the state of Texas offer valuable resources. The Texas Department of Housing and Community Affairs (TDHCA) provides down payment assistance grants and affordable first-lien mortgages for eligible buyers. It's also advisable to check with local credit unions and community banks, as they sometimes offer special programs for Johnson County residents.
How does Keene's location between Fort Worth and Cleburne affect property taxes and mortgage escrow?
Keene is within Johnson County, which has property tax rates that are generally competitive but can vary. Your monthly mortgage payment will include an escrow for these taxes, and lenders will base the initial estimate on the county's rates. It's crucial to get a precise tax estimate for your specific property, as rates can differ between Keene's city limits and the extraterritorial jurisdiction (ETJ).
What special considerations should I be aware of when getting a mortgage for acreage or a farmette in the Keene area?
Financing rural acreage (typically over 10 acres) in Keene often requires a specialized "rural" or "land loan" product, which may have different down payment and interest rate structures than standard mortgages. Lenders will closely scrutinize the property's well and septic systems, access roads, and agricultural use. Working with a lender experienced in Johnson County rural properties is highly recommended.
Are mortgage rates in Keene, TX, significantly different from those in the larger Dallas-Fort Worth metroplex?
Mortgage rates are generally set on a national and state level, so you won't find a "Keene-specific" rate. However, your final rate can be influenced by local factors like the appraised value in the Keene market and which local lender you choose. Shopping around with both local community banks in Johnson County and larger regional lenders can help you secure the best available rate for your situation.
Why Choose a Mortgage Lender in Keene?
Local Market Knowledge
Lenders who understand Keene'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 Keene and get competitive rates on your home loan.