The Best Mortgage Lenders in Three Rivers, TX
Compare verified mortgage lenders serving Three Rivers, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Three Rivers
Featured Mortgage Lenders
Navy Army Community Credit Union Mortgage Department
Navy Army Community Credit Union
Navy Army Community Credit Union stands out as one of South Texas's most trusted mortgage lenders with deep roots in the region. Serving Three Rivers and surrounding communities, they offer highly competitive rates and personalized service through their local branches. Their mortgage specialists are particularly skilled with VA loans, reflecting their military heritage, and they provide comprehensive guidance through the entire home financing process. With outstanding customer satisfaction ratings and community-focused approach, they've built a reputation for making the mortgage process smooth and transparent.
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Broadway Bank Mortgage Division
Broadway Bank
Broadway Bank has been serving South Central Texas for generations with a strong presence in the Three Rivers area through their regional banking network. Their mortgage team provides exceptional local knowledge combined with the resources of a established regional bank. They excel at construction and land financing, which is particularly valuable in the Three Rivers market. Customers consistently praise their responsive communication, competitive rates, and the expertise of their loan officers who understand the unique aspects of rural and semi-rural property financing.
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Guild Mortgage Company - South Texas
Guild Mortgage Company
Guild Mortgage brings national lending power with strong local presence in the Three Rivers service area through their Corpus Christi branch. They're particularly renowned for their extensive first-time homebuyer programs and flexible underwriting standards. Their loan officers have deep experience with the South Texas housing market and provide personalized service throughout the entire mortgage process. Guild consistently receives high marks for their digital mortgage experience, transparent communication, and ability to close loans efficiently while maintaining competitive pricing in the Three Rivers region.
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Frequently Asked Questions
Common questions about mortgage lending in Three Rivers, TX
What are the typical down payment requirements for homes in Three Rivers, TX, given the local market?
In Three Rivers, down payments can vary, but many local lenders are familiar with the area's more affordable housing stock. For conventional loans, 5-20% is standard, but you may find FHA loans with 3.5% down are common for the area's median-priced homes. USDA loans, which offer 0% down, are also a popular option as much of the surrounding area qualifies as rural.
Are there any local or state-specific first-time homebuyer programs available in Three Rivers?
Yes, Texas offers the Texas State Affordable Housing Corporation (TSAHC) programs, which provide down payment assistance grants and competitive mortgage rates for eligible first-time buyers in Three Rivers. Additionally, the city's location in Live Oak County may make you eligible for specific rural development initiatives that partner with local lenders.
How do property taxes in Live Oak County impact my mortgage payment in Three Rivers?
Live Oak County property taxes are a significant component of your monthly mortgage escrow payment. While rates can be higher than the national average, the overall tax burden is often moderated by the relatively lower home values in Three Rivers. It's crucial to get a precise tax estimate from the county appraisal district when budgeting, as lenders will include this in your debt-to-income calculation.
What should I know about getting a mortgage for a home near the oil and gas industry areas outside Three Rivers?
If you work in the energy sector, lenders in the area are experienced with variable income and employment common to the industry. You may need to provide additional documentation, like a two-year job history in the field. Furthermore, be aware that appraisals for properties in more rural, industry-adjacent areas will carefully consider access and any potential environmental factors.
Are 30-year fixed-rate mortgages the most common option in Three Rivers, or are other terms popular?
The 30-year fixed-rate mortgage is the most prevalent choice in Three Rivers due to its payment stability, especially for first-time and long-term residents. However, for buyers planning a shorter stay or those with significant equity, 15-year fixed-rate or adjustable-rate mortgages (ARMs) can be attractive to secure a lower rate, given the area's generally stable but smaller market.
Nearby Cities
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Why Choose a Mortgage Lender in Three Rivers?
Local Market Knowledge
Lenders who understand Three Rivers'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 Three Rivers and get competitive rates on your home loan.