Top 3 Mortgage Lenders in Ratcliff

First Bank & Trust East Texas is a highly respected community bank with deep roots in East Texas, serving Ratcliff and surrounding areas for over 120 years. They offer personalized mortgage services with local decision-making and competitive rates. Their experienced loan officers provide comprehensive guidance through the entire mortgage process, from application to closing. The bank is particularly strong in construction loans and rural property financing, making them an excellent choice for Ratcliff area residents seeking local expertise with the stability of an established financial institution.

Benchmark Mortgage's Lufkin branch serves the Ratcliff area with exceptional mortgage services and high customer satisfaction ratings. As a dedicated mortgage lender with nationwide presence but local expertise, they offer competitive rates and a wide variety of loan programs. Their team specializes in rural property financing and understands the unique needs of East Texas homebuyers. With NMLS licensing and strong industry credentials, they provide reliable service with transparent communication throughout the lending process, making them a top choice for Ratcliff residents.

Supreme Lending is a nationally recognized mortgage company with strong Texas roots and extensive experience serving rural communities like Ratcliff. While headquartered in Dallas, they actively serve clients throughout East Texas with dedicated loan officers familiar with the area's specific housing market. They offer competitive rates, streamlined digital processes, and personalized service. Supreme Lending is particularly noted for their efficiency in processing and closing loans, with special expertise in VA and FHA loans that benefit many East Texas homebuyers.