The Best Mortgage Lenders in Fillmore, UT
Compare verified mortgage lenders serving Fillmore, Utah. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fillmore
Featured Mortgage Lenders
Mountain America Credit Union Mortgage Team
Mountain America Credit Union
Mountain America Credit Union stands out as one of Utah's most trusted mortgage lenders with deep roots in rural communities. They maintain a physical branch in Fillmore and understand the unique needs of Millard County residents. Their mortgage specialists offer personalized service with competitive rates, particularly strong in VA and USDA loans which are popular in rural Utah. With over 85 years serving Utah communities, they provide exceptional local knowledge and consistently high customer satisfaction ratings.
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Guild Mortgage Company
Guild Mortgage Company
Guild Mortgage has established a strong presence throughout Central Utah with local loan officers who specialize in rural property financing. They consistently receive high marks for their responsive service and expertise with agricultural and rural properties common in the Fillmore area. Their long-standing reputation since 1960 combined with local underwriters who understand Millard County's unique housing market makes them a top choice for personalized mortgage solutions with competitive rates.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation has built an exceptional reputation throughout Utah for their competitive rates and outstanding customer service. Their local loan officers have extensive experience with rural Utah properties and offer flexible financing solutions tailored to Fillmore residents. They excel in quick closings and have particular expertise in construction and renovation loans, which are valuable in growing communities like Fillmore. Their consistently high customer satisfaction ratings and industry awards make them a premier mortgage choice.
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Frequently Asked Questions
Common questions about mortgage lending in Fillmore, UT
Are there any special mortgage programs for first-time homebuyers in Fillmore, UT?
Yes, the Utah Housing Corporation (UHC) offers several statewide programs that are accessible in Fillmore, including down payment assistance and competitive first-time homebuyer loans. Additionally, some local lenders may offer special incentives for buyers in Millard County, so it's wise to consult with a mortgage broker familiar with the area to explore all your options.
How does Fillmore's rural location affect mortgage rates and lender availability?
As a rural community, Fillmore may have fewer local bank branches, but many regional and national lenders operate statewide. Rates are typically set by broader market forces, so you can often secure competitive rates. However, working with a lender experienced in rural Utah properties can be beneficial for navigating any unique appraisal considerations for land or agricultural parcels.
What should I know about property taxes and insurance when calculating my mortgage payment in Fillmore?
Millard County has relatively low property tax rates compared to urban Utah, which can make homeownership more affordable. For insurance, it's important to factor in the potential need for additional coverage, such as for seismic activity (earthquake insurance) due to Fillmore's location near seismic zones, which can affect your total monthly payment.
Are USDA loans a viable option for buying a home in Fillmore, UT?
Absolutely. Given Fillmore's designation as a rural area by the USDA, many homes and buyers in the area qualify for USDA Rural Development loans. These loans offer 100% financing (no down payment) and competitive rates, making them an excellent option for eligible buyers looking in Fillmore and the surrounding Millard County.
How do appraisals work for unique or older historic homes in Fillmore's downtown area?
Appraising historic or unique properties in Fillmore requires an appraiser with specific experience in valuing older homes and understanding local historic preservation considerations. Lenders will require a full appraisal, and the process may take longer. It's crucial to work with a lender who can assign an appraiser familiar with the architectural styles and market nuances of Central Utah.
Why Choose a Mortgage Lender in Fillmore?
Local Market Knowledge
Lenders who understand Fillmore'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 Utah.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Fillmore and get competitive rates on your home loan.