The Best Mortgage Lenders in Huntington, UT
Compare verified mortgage lenders serving Huntington, Utah. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huntington
Featured Mortgage Lenders
Mountain America Credit Union Mortgage Services
Mountain America Credit Union
Mountain America Credit Union is one of the highest-rated mortgage lenders serving Huntington and surrounding Carbon County areas. With over 85 years of financial service experience and a branch located just 15 miles from Huntington in Price, they offer exceptional local service combined with the resources of a major financial institution. Their mortgage team specializes in rural and small-town home financing, offering competitive rates on USDA loans which are particularly relevant for Huntington area properties. Members consistently praise their personalized service, local underwriting decisions, and expertise with unique property types common in rural Utah.
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Zions Bank Mortgage
Zions Bank
Zions Bank has been serving Utah communities for over 150 years and maintains a strong presence in Carbon County with their Price branch conveniently located near Huntington. Their mortgage division receives high marks for understanding rural property financing challenges and offering specialized construction and land loan programs. As a Utah-based bank, they have deep knowledge of local market conditions and property types common in Huntington. Customers consistently report smooth closing processes, competitive rates, and loan officers who understand the unique aspects of financing homes in smaller Utah communities.
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Guild Mortgage Company
Guild Mortgage Company
Guild Mortgage maintains a dedicated branch in Price that actively serves the Huntington community, with loan officers who specialize in rural Utah property financing. With over 60 years in the mortgage business, Guild brings substantial expertise to complex financing situations while maintaining the personal service expected in smaller communities. They are particularly noted for their extensive USDA loan experience, which is highly relevant for Huntington homebuyers. Customer reviews consistently highlight their responsive communication, local processing capabilities, and ability to navigate unique property situations common in rural Carbon County.
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Frequently Asked Questions
Common questions about mortgage lending in Huntington, UT
What are the typical down payment requirements for a home in Huntington, given its more rural setting?
While standard loans often require 3-5% down, many homes in Huntington and surrounding Emery County are eligible for USDA Rural Development loans, which offer 0% down payment options. This is a significant advantage for buyers in this area, as the USDA designates it as a qualifying rural zone, making homeownership more accessible despite potentially lower local incomes.
Are there any local or state-specific first-time homebuyer programs that are particularly useful in Huntington?
Yes, the Utah Housing Corporation (UHC) offers several programs ideal for Huntington buyers, including down payment assistance loans and competitive first-time homebuyer mortgage rates. Given Huntington's median home prices, which are often below the state average, these programs can go a long way in covering closing costs and reducing the initial cash needed to purchase.
How does the lack of a large, local banking presence in Huntington affect getting a mortgage?
Most Huntington residents work with mortgage lenders based in larger Utah hubs like Price, Provo, or Salt Lake City, who are familiar with the local market. It's crucial to choose a lender experienced with rural property appraisals and who understands the nuances of Emery County's housing stock, which can include older homes, modular properties, and unique land considerations.
What should I know about property taxes and insurance when calculating my mortgage payment in Huntington?
Property taxes in Emery County are generally lower than the Utah state average, which positively affects your monthly payment. However, you should budget for potentially higher homeowners insurance premiums due to the area's wildfire risk and the distance to fire hydrants and stations, which insurers factor into their rates.
How do employment and income verification work for mortgages in a town with major employers like coal mines and power plants?
Lenders are very familiar with the major industries in Huntington (mining, energy, agriculture) and their often cyclical or variable pay structures. Be prepared to provide detailed documentation, such as two years of tax returns and recent pay stubs, to demonstrate stable income. For those in mining or trades, overtime and bonus income may be counted with proper history.
Nearby Cities
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Why Choose a Mortgage Lender in Huntington?
Local Market Knowledge
Lenders who understand Huntington'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 Huntington and get competitive rates on your home loan.