The Best Mortgage Lenders in Longview, WA
Compare verified mortgage lenders serving Longview, Washington. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Longview
Featured Mortgage Lenders
Fibre Federal Credit Union
Fibre Federal Credit Union
As the premier local financial institution serving Longview and surrounding communities for over 85 years, Fibre Federal Credit Union has built an exceptional reputation for mortgage lending. They offer personalized service with local decision-making, competitive rates, and extensive knowledge of the Southwest Washington housing market. Their mortgage specialists live and work in the community, providing tailored solutions for first-time homebuyers, move-up buyers, and refinancing needs with exceptional customer satisfaction ratings.
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iServe Lending
iServe Lending
iServe Lending has established itself as one of the highest-rated mortgage lenders serving the Pacific Northwest, including Longview. With numerous awards for customer satisfaction and an A+ BBB rating, they specialize in creating seamless mortgage experiences. Their local loan officers have deep knowledge of Cowlitz County's real estate market and offer competitive rates across all loan programs. The company is particularly recognized for its efficient processing, transparent communication, and exceptional VA loan expertise.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage has a strong presence in Southwest Washington with local loan officers who actively serve the Longview market. As a nationally recognized lender with local expertise, they offer competitive rates and a wide variety of loan products. They're known for their responsive service, streamlined digital application process, and expertise in both purchase and refinance transactions. Their local team has extensive experience with the unique aspects of the Longview housing market and provides personalized guidance throughout the entire mortgage process.
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Frequently Asked Questions
Common questions about mortgage lending in Longview, WA
What are the current mortgage rates like in Longview, WA, and how do they compare to the national average?
Mortgage rates in Longview typically align closely with national averages, but local competition among lenders can sometimes create slight variations. As a smaller market, it's especially important to compare offers from local credit unions, regional banks, and national lenders. Rates can be influenced by the specific property location, such as proximity to the Columbia River or industrial areas.
Are there any down payment assistance programs specifically for first-time homebuyers in Longview?
Yes, the Washington State Housing Finance Commission (WSHFC) offers several programs, like the Home Advantage and House Key Opportunity programs, which are accessible to Longview buyers. These can provide down payment assistance, favorable loan terms, and tax advantages. Additionally, local lenders are well-versed in these programs and can guide you through the application process tailored to Cowlitz County's income and purchase price limits.
How does Longview's economy, particularly its industrial base, affect mortgage lending and appraisals?
Longview's stable industrial and manufacturing base, including major employers like the paper mill, contributes to steady local employment, which lenders view favorably during income verification. However, appraisers may carefully consider a property's proximity to industrial zones, as this can impact home values and marketability, which in turn influences loan-to-value calculations and approval conditions.
What should I know about property taxes and insurance when budgeting for a mortgage in Longview?
Cowlitz County property taxes in Longview are a key component of your monthly escrow payment and are generally moderate compared to the broader Puget Sound region. For insurance, it's crucial to factor in flood insurance if purchasing in a designated flood zone near the Columbia or Cowlitz Rivers, which can add to your monthly costs. Your lender will help you estimate these amounts accurately during pre-approval.
Are USDA rural housing loans a viable option for homes in Longview, WA?
Absolutely. Much of the area surrounding the city of Longview is eligible for USDA Rural Development loans, which offer 100% financing with no down payment. This can be an excellent option for buyers looking at properties just outside the city limits. A local mortgage broker can confirm specific address eligibility, making homeownership more accessible for qualifying buyers in the Longview region.
Why Choose a Mortgage Lender in Longview?
Local Market Knowledge
Lenders who understand Longview'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 Washington.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Longview and get competitive rates on your home loan.