The Best Mortgage Lenders in SFA, TX
Compare verified mortgage lenders serving SFA, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in SFA
Featured Mortgage Lenders
Guild Mortgage - Nacogdoches Branch
Guild Mortgage Company
Guild Mortgage's Nacogdoches branch is highly regarded as one of the top mortgage lenders serving the SFA area, with exceptional local expertise and personalized service. They maintain a stellar 4.9-star rating from numerous satisfied customers, particularly praised for their expertise with first-time homebuyer programs and government-backed loans. Their experienced loan officers understand the unique East Texas real estate market and provide comprehensive guidance through the entire mortgage process, from pre-approval to closing.
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PrimeLending - Nacogdoches
PrimeLending, A PlainsCapital Company
PrimeLending's Nacogdoches office has built an outstanding reputation for serving the SFA community with competitive rates and exceptional customer service. With a 4.8-star rating from over 100 reviews, they're particularly noted for their efficient processing and construction loan expertise. Their local team understands the specific needs of East Texas homebuyers, including faculty, staff, and students associated with Stephen F. Austin State University, offering personalized mortgage solutions with quick turnaround times.
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Neighbors Federal Credit Union
Neighbors Federal Credit Union
While based in Louisiana, Neighbors Federal Credit Union has established itself as a premier mortgage lender serving the SFA area with exceptional member service and competitive rates. With a 4.7-star rating and decades of mortgage lending experience, they offer significant advantages through their credit union structure, including lower fees and more flexible underwriting. They're particularly strong with first-time homebuyer programs and provide comprehensive mortgage education to help members make informed decisions about their home financing options.
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Frequently Asked Questions
Common questions about mortgage lending in SFA, TX
Are there any special mortgage or down payment assistance programs for first-time homebuyers in Nacogdoches (SFA)?
Yes, the city of Nacogdoches offers the Nacogdoches Homebuyer Assistance Program (NHAP), which provides up to $10,000 in down payment and closing cost assistance as a forgivable loan. This program is specifically designed for low-to-moderate income first-time homebuyers purchasing within city limits and is a fantastic local resource to make homeownership more accessible in the SFA community.
How does being a college town with SFA influence the local mortgage and housing market?
The consistent student and faculty population from Stephen F. Austin State University creates a stable demand for housing, particularly for single-family homes suitable for rentals or investment properties. This can make qualifying for an investment property loan a common scenario here, and lenders are familiar with underwriting loans for non-owner-occupied properties in neighborhoods near campus.
What are typical property taxes like in Nacogdoches County, and how should I factor them into my mortgage?
Nacogdoches County property tax rates are relatively high compared to the national average, often ranging from 1.8% to 2.3% of the home's appraised value. It's crucial to get an estimate of these taxes during your home search, as they will be escrowed as part of your monthly mortgage payment and significantly impact your total housing cost and debt-to-income ratio.
Are USDA rural development loans a viable option for homes in the SFA/Nacogdoches area?
Absolutely. While the city center itself may not qualify, many of the surrounding areas and neighborhoods in Nacogdoches County are eligible for USDA loans, which offer 100% financing with no down payment. This is a popular and advantageous program for eligible buyers looking in the broader community outside the immediate downtown core.
How competitive is the mortgage rate environment in Nacogdoches, and should I use a local lender?
Rates are generally set by national markets, but using a local Nacogdoches lender or mortgage broker can provide significant advantages. They have deep knowledge of local property appraisers, title companies, and the specific underwriting nuances for older homes common in the historic districts, which can lead to a smoother and sometimes faster closing process.
Why Choose a Mortgage Lender in SFA?
Local Market Knowledge
Lenders who understand SFA'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 SFA and get competitive rates on your home loan.