The Best Mortgage Lenders in Rogers, TX
Compare verified mortgage lenders serving Rogers, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Rogers
Featured Mortgage Lenders
First Financial Bank Mortgage Department
First Financial Bank, N.A.
First Financial Bank stands as one of Central Texas' most established and highly-rated mortgage lenders with deep roots in the region. While headquartered in Temple, they actively serve Rogers and surrounding Bell County communities with personalized mortgage solutions. Their long history of 135+ years demonstrates exceptional stability and community commitment. Customers consistently praise their local decision-making process, competitive rates, and the expertise of their mortgage specialists who understand Central Texas real estate markets. They offer a comprehensive range of loan products with particular strength in construction loans and rural property financing, making them ideal for Rogers area homebuyers.
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Benchmark Mortgage Temple Branch
Benchmark Mortgage
Benchmark Mortgage's Temple location serves Rogers and Central Texas with exceptional mortgage services and consistently earns near-perfect customer ratings. As a mortgage-focused company rather than a traditional bank, they bring specialized expertise to every transaction. Their loan officers are praised for their responsiveness, attention to detail, and ability to navigate complex financing scenarios. Benchmark is particularly strong in VA loans and first-time homebuyer programs, with many Rogers-area veterans and military families benefiting from their specialized knowledge. Their streamlined digital process combined with local, personal service makes them a top choice for Bell County home purchases and refinances.
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A+ Federal Credit Union Mortgage Services
A+ Federal Credit Union
A+ Federal Credit Union, while headquartered in Austin, maintains strong presence throughout Central Texas including service to Rogers residents. As a member-owned financial cooperative, they frequently offer more competitive rates and lower fees than traditional banks. Their mortgage team receives consistent praise for transparent communication and educational approach, particularly beneficial for first-time homebuyers in the Rogers area. They excel at simplifying the mortgage process while providing personalized guidance through each step. With 75 years of serving Central Texas communities, A+ FCU combines the stability of an established institution with the flexibility and member-focused service of a credit union.
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Frequently Asked Questions
Common questions about mortgage lending in Rogers, TX
Are there any special mortgage considerations for buying a home in Rogers, TX, given its rural location?
Yes, lenders may have specific requirements for properties in rural areas like Rogers. You might encounter stricter appraisal standards to ensure the property meets lending guidelines, especially for homes on well and septic systems. Additionally, some lenders may offer USDA Rural Development loans, which are a zero-down-payment option for eligible borrowers and properties in designated rural areas, which includes Rogers.
What are typical down payment assistance programs available for first-time homebuyers in Rogers, TX?
First-time homebuyers in Rogers should explore the Texas Department of Housing and Community Affairs (TDHCA) programs, such as the My First Texas Home loan. This program offers competitive interest rates, down payment assistance, and can be combined with a Mortgage Credit Certificate (MCC) for additional tax savings. Working with a local lender familiar with these state-wide programs is crucial for successful application.
How do property taxes in Bell County affect my mortgage payments in Rogers?
Bell County property taxes are a significant component of your monthly mortgage escrow payment. While Rogers has no city property tax, you will pay county and school district taxes. It's essential to factor these into your budget, as they can add several hundred dollars to your monthly payment. Your lender will provide an estimate, but you can verify rates with the Bell County Tax Assessor-Collector.
Is it difficult to get a mortgage for a manufactured home in Rogers, TX?
Financing a manufactured home in Rogers can be more complex than a traditional site-built home. You will need a lender that specializes in these loans, and the home must be permanently affixed to a foundation and titled as real estate. Options may include FHA, VA, or USDA loans if the home and borrower meet specific criteria, but conventional financing is less common and may require a higher down payment.
Are closing costs higher for mortgages in Rogers compared to larger Texas cities?
Closing costs in Rogers are generally comparable to state averages, but some fees can vary. You may see differences in title insurance rates, survey costs, and recording fees specific to Bell County. A potential advantage is that some closing services might be less expensive than in major metropolitan areas, but it's important to shop around with local title companies and get a detailed Loan Estimate from your lender.
Nearby Cities
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Why Choose a Mortgage Lender in Rogers?
Local Market Knowledge
Lenders who understand Rogers'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 Rogers and get competitive rates on your home loan.