The Best Mortgage Lenders in Stonewall, TX
Compare verified mortgage lenders serving Stonewall, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Stonewall
Featured Mortgage Lenders
Mortgage Department
First Financial Bank
First Financial Bank stands as the premier local banking institution serving the Stonewall area with deep roots in the Texas Hill Country. With over 130 years of community banking experience, their mortgage team provides personalized service and competitive rates specifically tailored to rural and semi-rural properties common in the Stonewall region. They excel at understanding the unique needs of Hill Country homeowners, offering specialized construction and land loans that many national lenders avoid. Their local underwriting and decision-making process ensures faster closings and more flexible terms for Stonewall residents.
Loan Types:
Mortgage Team
Legacy Mutual Mortgage
Legacy Mutual Mortgage has built an exceptional reputation throughout the Texas Hill Country as a top-rated mortgage broker serving Stonewall and surrounding communities. Their team specializes in rural property financing and understands the unique appraisal challenges and property types found in the Stonewall area. With consistently high customer satisfaction ratings, they're known for their responsive communication, competitive rates, and expertise in USDA and VA loans that benefit many Stonewall residents. Their local presence in Fredericksburg ensures personalized service and deep knowledge of the local real estate market.
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Mortgage Division
Supreme Lending
Supreme Lending maintains a strong presence throughout Central Texas and actively serves the Stonewall market with their extensive loan programs and competitive pricing. As a national lender with deep Texas roots, they combine the resources of a large mortgage company with personalized service through their Austin-area loan officers who regularly work with Hill Country clients. They're particularly strong in construction and renovation financing, which is valuable for Stonewall's growing market. Their high volume of positive reviews highlights their efficiency, transparency, and ability to handle complex rural property transactions common in the Stonewall area.
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Frequently Asked Questions
Common questions about mortgage lending in Stonewall, TX
Are there any special mortgage considerations for buying a home on a larger lot or acreage in Stonewall, TX?
Yes, properties in the Stonewall area often include significant acreage, which can affect financing. Lenders may require a specialized "rural" or "land loan" appraisal that considers the land's agricultural or recreational value, not just the home. You may also need a larger down payment, as some conventional loans have restrictions on properties with more than 10 acres.
What local or county programs are available to help first-time homebuyers in Gillespie County?
Gillespie County and the City of Fredericksburg (the nearest urban center) do not currently offer a dedicated first-time homebuyer grant program. However, Texas statewide programs like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program are accessible to eligible buyers in Stonewall, offering competitive interest rates and down payment assistance.
How do mortgage rates in Stonewall compare to the national or state average?
Mortgage rates in Stonewall are generally aligned with national and Texas averages, as they are set by larger market forces. However, your specific rate will be influenced by your financial profile and the property type. Working with a local lender familiar with the Hill Country market can help you secure the best available terms for a rural property.
What should I know about property taxes and insurance when calculating my mortgage payment in Stonewall?
Property taxes in Gillespie County are a significant component of your monthly payment. The county has no city tax for Stonewall, but the overall tax rate can vary. Additionally, due to the rural setting and wildfire risk in the Texas Hill Country, homeowners insurance—and possibly flood insurance if in a flood zone—can be higher than in urban areas, which your lender will factor into your escrow account.
Are USDA Rural Development loans a viable option for mortgages in Stonewall, TX?
Absolutely. Stonewall is located in an area eligible for USDA Single Family Housing Guaranteed Loans. This is a key program for the area, as it offers 100% financing (no down payment) for moderate-income buyers purchasing a primary residence. Eligibility is based on income limits for Gillespie County and the property meeting USDA criteria.
Why Choose a Mortgage Lender in Stonewall?
Local Market Knowledge
Lenders who understand Stonewall'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 Stonewall and get competitive rates on your home loan.