The Best Mortgage Lenders in Mathis, TX
Compare verified mortgage lenders serving Mathis, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Mathis
Featured Mortgage Lenders
CrossCountry Mortgage, LLC
CrossCountry Mortgage, LLC - Corpus Christi
CrossCountry Mortgage is a top-rated national lender with a strong local presence in the Corpus Christi area, serving Mathis and surrounding communities. They maintain exceptional 4.9-star ratings across multiple review platforms with particular praise for their responsive service, competitive rates, and expertise with various loan programs. Their team specializes in both purchase and refinance transactions, with particular strength in VA and FHA loans that benefit many South Texas homebuyers. The local Corpus Christi office has built an outstanding reputation for guiding clients through the entire mortgage process with transparency and professionalism.
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SWBC Mortgage
SWBC Mortgage Corporation - San Antonio
SWBC Mortgage has been serving Texas communities for over four decades with a strong reputation for reliability and customer satisfaction. While headquartered in San Antonio, they actively serve clients throughout South Texas including Mathis. They receive consistent praise for their competitive rates, efficient processing, and knowledgeable loan officers. As a Texas-based company, they have deep understanding of local market conditions and housing trends. Their extensive experience with various loan types, particularly construction and renovation loans, makes them a valuable resource for rural and suburban homebuyers in the Mathis area.
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Prosperity Bank
Prosperity Bank - Mathis/Corpus Christi
Prosperity Bank provides exceptional local mortgage services with an actual physical branch located right in Mathis, offering personalized service and community-focused lending. As an established Texas bank with deep roots in the region, they understand the unique needs of Mathis homebuyers and offer competitive mortgage products with local decision-making. They receive high marks for their personal attention, straightforward process, and commitment to the community. Their combination of local presence and statewide resources makes them an ideal choice for Mathis residents seeking both convenience and competitive financing options.
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Frequently Asked Questions
Common questions about mortgage lending in Mathis, TX
What are the current mortgage rates like in Mathis, TX, compared to the national average?
Mortgage rates in Mathis typically align closely with national averages, but local lenders may offer competitive rates due to the area's lower cost of living and property values. It's common to see slightly favorable terms for conventional loans, but shopping around with local credit unions and regional banks is key to securing the best rate for your specific financial situation.
Are there any down payment assistance programs specifically for homebuyers in Mathis?
Yes, Mathis homebuyers 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 mortgage rates. Additionally, the Corpus Christi Regional Economic Development Corporation (CCREDC) sometimes extends programs to the Mathis area, providing grants or second liens to help with upfront costs.
How does Mathis's rural location affect the type of mortgage loans available?
Mathis's designation as a rural area makes many properties eligible for USDA Rural Development loans, which offer 100% financing with no down payment—a significant advantage. This can be a preferable option over FHA loans for eligible buyers, as it avoids the upfront mortgage insurance premium and often has competitive rates.
What should I know about property taxes and insurance when calculating my mortgage payment in Mathis?
San Patricio County property taxes are a major component of your monthly payment, with rates typically around 2.0-2.3% of the appraised value. Furthermore, due to Mathis's proximity to the Gulf Coast, windstorm insurance can be a required and costly addition to homeowner's insurance, significantly impacting your total monthly mortgage escrow payment.
As a first-time homebuyer in Mathis, what local resources or lenders should I consult?
Start with local institutions like Mathis Federal Credit Union or community banks familiar with the area's market. It's also highly recommended to connect with a HUD-approved housing counseling agency in the Corpus Christi region for first-time buyer education. They can guide you through local grant programs and help you understand the full scope of purchasing in a smaller, rural market like Mathis.
Why Choose a Mortgage Lender in Mathis?
Local Market Knowledge
Lenders who understand Mathis'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 Mathis and get competitive rates on your home loan.