The Best Mortgage Lenders in Keller, VA
Compare verified mortgage lenders serving Keller, Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Keller
Featured Mortgage Lenders
Atlantic Bay Mortgage Group
Atlantic Bay Mortgage Group, LLC
Atlantic Bay Mortgage Group is a top-rated regional lender with a strong presence in Virginia, including service to Keller and the Eastern Shore. Founded in 1996, they are renowned for exceptional customer service, competitive rates, and a wide range of loan products. With hundreds of positive reviews highlighting their reliability and local expertise, they have built a reputation for making the mortgage process smooth and transparent. Their team offers personalized guidance, ensuring clients in rural areas like Keller receive attentive support throughout the home buying or refinancing journey.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a highly reputable lender with a robust track record serving Virginia communities, including Keller. Established in 1996, they excel in providing competitive mortgage solutions with a focus on customer satisfaction. Their high ratings and substantial review count reflect a commitment to transparency, fast processing, and expert advice. With specialized loan options for various buyer needs and a dedicated local team, they are a trusted choice for homebuyers in the region, offering reliable service and community involvement.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is an innovative and community-focused lender that serves Keller and the broader Virginia area with a emphasis on customer-centric solutions. Founded in 2008, they combine technology with personal service to offer competitive rates and efficient loan processing. Their high customer ratings and review count underscore a dedication to reliability and satisfaction, with loan officers who provide tailored guidance for first-time buyers, refinancing, and more. Movement Mortgage is known for its rapid turnaround times and strong local presence, making it a top choice for accessible and trustworthy mortgage services.
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Frequently Asked Questions
Common questions about mortgage lending in Keller, VA
What are the typical down payment requirements for homes in Keller, VA, given its rural market?
In Keller's rural market, many conventional loans still require a 5-20% down payment, but government-backed loans are very popular. For eligible buyers, USDA loans offer 100% financing with no down payment, which is a significant advantage in this USDA-eligible area. FHA loans with 3.5% down are also common for those who may not qualify for USDA.
Are there any special mortgage programs for first-time homebuyers in Keller, VA?
Yes, Virginia Housing (VH) offers first-time homebuyer programs that are accessible in Keller, providing competitive interest rates, down payment assistance grants, and closing cost assistance. These programs can be combined with USDA or FHA loans, making homeownership more attainable in a market with limited local inventory. Working with a lender familiar with VH guidelines is crucial.
How do property types like manufactured homes or larger land parcels affect mortgage options in Keller?
Financing for manufactured homes in Keller often requires an FHA or VA loan if the home is on a permanent foundation. For properties with larger acreage, which is common, lenders may have acreage limits on conventional loans, potentially requiring a portfolio loan or a rural-focused lender. It's essential to discuss the specific property details with your lender early in the process.
What should I know about property taxes and insurance when calculating my mortgage payment in Keller?
Property taxes in Accomack County (where Keller is located) are relatively low compared to urban Virginia, which helps with affordability. However, due to Keller's coastal proximity, flood insurance is frequently a required and significant addition to your monthly payment, especially for properties in designated flood zones. Your lender will help determine these exact costs during the pre-approval process.
Is it harder to get an appraisal for a mortgage in a small, rural town like Keller?
Appraisals can be more challenging in rural Keller due to a lower volume of recent, comparable home sales ("comps"). This can sometimes lead to longer turnaround times and requires an appraiser with local market knowledge. To avoid delays, work with a mortgage lender who has established relationships with appraisers familiar with the Eastern Shore.
Why Choose a Mortgage Lender in Keller?
Local Market Knowledge
Lenders who understand Keller'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 Virginia.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Keller and get competitive rates on your home loan.