The Best Mortgage Lenders in Scurry, TX
Compare verified mortgage lenders serving Scurry, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Scurry
Featured Mortgage Lenders
Mortgage Solutions of Texas
Mortgage Solutions of Texas
Mortgage Solutions of Texas is a highly-rated local mortgage broker serving the Scurry area with exceptional customer service and competitive rates. They specialize in personalized mortgage solutions for homebuyers throughout Kaufman County and surrounding areas. With over 15 years of experience, they've built a strong reputation for guiding clients through complex loan processes, offering extensive education, and providing transparent communication. Their team has deep knowledge of the local Texas real estate market and maintains strong relationships with real estate professionals throughout the region.
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Texas Trust Credit Union
Texas Trust Credit Union
As one of Texas's largest credit unions with a strong presence throughout the Dallas-Fort Worth metroplex, Texas Trust Credit Union serves Scurry residents with competitive mortgage products and exceptional member service. While headquartered in Arlington, they have multiple branches throughout the region and offer comprehensive digital mortgage services. Their not-for-profit structure often allows for lower rates and fees than traditional banks. They're particularly known for their first-time homebuyer programs and personalized mortgage guidance, with loan officers who specialize in serving rural and suburban communities like Scurry.
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PrimeLending
PrimeLending, A PlainsCapital Company
PrimeLending is a national mortgage lender with deep Texas roots and strong local presence throughout the Dallas-Fort Worth area, including service to Scurry residents. They combine the resources of a large lender with personalized local service through their network of experienced loan officers. PrimeLending is particularly noted for their competitive rates, fast closing times, and innovative loan products tailored to Texas homebuyers. Their local loan officers have extensive knowledge of the North Texas market and maintain strong relationships with real estate agents throughout Kaufman County and surrounding areas.
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Frequently Asked Questions
Common questions about mortgage lending in Scurry, TX
What are the typical down payment requirements for a home in Scurry, TX, given its rural setting?
In Scurry, many lenders offer USDA Rural Development loans, which require **0% down payment** for eligible borrowers and properties. This is a major advantage for the area. Conventional loans with 3-5% down are also common, but the USDA program is a standout local option due to the town's qualification.
Are there any local or county-specific first-time homebuyer assistance programs available in Scurry?
While Scurry itself does not have a city-run program, homebuyers should explore the **Texas State Affordable Housing Corporation (TSAHC)** programs, which offer down payment assistance and favorable rates statewide. Additionally, check with local credit unions or lenders familiar with Kaufman County for any specific community initiatives.
How do property taxes in Kaufman County impact my mortgage payment and qualification in Scurry?
Kaufman County property taxes are a significant component of your monthly payment, often higher than the national average. Lenders will factor this into your debt-to-income ratio. It's crucial to get an accurate tax estimate from the county appraisal district when calculating your total housing cost and loan affordability.
What type of property appraisals are common for Scurry's mix of older homes and newer construction?
Appraisals in Scurry must account for a wide range of comparable sales, which can be limited in a smaller town. For older homes, appraisers may note condition and well/septic systems. For newer builds, they'll compare to recent developments in nearby areas like Forney. This can sometimes lead to appraisal challenges, so working with a local lender is key.
Is homeowner's insurance more expensive for mortgages in Scurry due to its location?
Insurance costs in Scurry can be moderately high due to Texas weather risks, primarily hail and wind. While not in a high-risk flood zone, flood insurance may still be recommended. Your lender will require a policy, and shopping around with Texas-based insurers is advised to find the best rate for your mortgage escrow account.
Why Choose a Mortgage Lender in Scurry?
Local Market Knowledge
Lenders who understand Scurry'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 Scurry and get competitive rates on your home loan.