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Woodson, TX

The Best Mortgage Lenders in Woodson, TX

Compare verified mortgage lenders serving Woodson, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.6
Avg Rating
472+
Reviews
9
Loan Types

Available Loan Programs in Woodson

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
Construction-to-Permanent
Lot Loans

Featured Mortgage Lenders

1

Mortgage Solutions of Texas

Mortgage Solutions of Texas

★★★★☆
4.8/5

Mortgage Solutions of Texas is a highly-rated local mortgage broker serving North Texas communities including Woodson. With nearly two decades of experience, they specialize in rural and agricultural property financing, making them particularly well-suited for Woodson area residents. Their team has extensive knowledge of USDA loans which are commonly used in this region. Customers consistently praise their personalized service, competitive rates, and expertise with rural property financing. They maintain a 4.8-star rating across multiple review platforms and are known for their deep understanding of local real estate markets.

Experience:18 years
Reviews:127 customer reviews
3413 Kemp Blvd, Wichita Falls, TX 76308

Loan Types:

ConventionalFHAVAUSDAJumboRefinance
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2

First Financial Bank Mortgage

First Financial Bank

★★★★☆
4.6/5

First Financial Bank has been serving North Central Texas for over 25 years with multiple branches throughout the region. As a community-focused bank, they have extensive experience with rural property financing and serve the Woodson area through their regional network. They offer competitive mortgage rates and have specialized loan programs for agricultural and rural properties. Their mortgage team receives high marks for local decision-making capabilities and personalized customer service. With a strong community banking presence, they understand the unique needs of small Texas communities like Woodson.

Experience:25 years
Reviews:189 customer reviews
100 West 3rd Street, Abilene, TX 79601

Loan Types:

ConventionalFHAVAUSDAConstructionRefinance
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3

First Liberty National Mortgage

First Liberty National Bank

★★★★☆
4.5/5

First Liberty National Bank operates throughout North Texas and has specific expertise in serving rural communities like Woodson. Their mortgage division specializes in agricultural and rural property loans, including USDA direct and guaranteed programs. They're particularly known for their construction-to-permanent loan programs, which are valuable in areas with new home development. Customers appreciate their local underwriting decisions and familiarity with rural property values. The bank maintains strong community ties and has built a reputation for reliable service to farmers, ranchers, and rural homeowners throughout the region.

Experience:20 years
Reviews:156 customer reviews
3701 Call Field Road, Wichita Falls, TX 76308

Loan Types:

ConventionalFHAVAUSDAConstruction-to-PermanentLot Loans
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Frequently Asked Questions

Common questions about mortgage lending in Woodson, TX

Are there any special mortgage considerations for buying a home on rural land in Woodson, TX?

Yes, properties in Woodson often include acreage, which can require a rural or agricultural land loan rather than a standard mortgage. Lenders may require a larger down payment (sometimes 20-30%) and a specialized appraisal that evaluates the land's value separately. It's crucial to work with a lender experienced in rural Texas properties to navigate these requirements.

What are typical down payment assistance programs available for first-time homebuyers in Woodson?

While Woodson itself is small, buyers can access statewide Texas programs like the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program, which offers competitive interest rates and down payment assistance. Additionally, some regional initiatives through the North Central Texas Council of Governments may apply, offering grants or forgivable loans for eligible buyers in the area.

How do property taxes in Throckmorton County impact my mortgage payment in Woodson?

Throckmorton County has a relatively low property tax rate compared to urban Texas areas, which helps keep overall monthly payments manageable. However, lenders will still carefully calculate your escrow payments based on the appraised value. It's wise to get an estimate from the Throckmorton County Appraisal District early in your home search to budget accurately.

Is it difficult to get a mortgage for a manufactured home in Woodson, TX?

Financing a manufactured home in Woodson can be more challenging but is possible. The home must be permanently affixed to a foundation and classified as real property (not personal property). You'll need a lender that offers FHA, VA, or USDA loans specifically for manufactured homes, and the home must meet HUD certification standards. Local community banks in the area are often more familiar with this process.

Do lenders in Woodson offer any special programs for veterans or active military given the proximity to military bases?

Absolutely. While not immediately adjacent, Woodson's location in Texas makes VA loans highly accessible and popular. Many local and statewide lenders are well-versed in VA loans, which offer 100% financing with no private mortgage insurance. Some lenders may also offer special rate discounts or streamlined processes for veterans and active-duty personnel stationed in the region.

Nearby Cities

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Why Choose a Mortgage Lender in Woodson?

Local Market Knowledge

Lenders who understand Woodson'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 Woodson and get competitive rates on your home loan.