The Best Mortgage Lenders in Kellysville, WV
Compare verified mortgage lenders serving Kellysville, West Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kellysville
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage
Movement Mortgage has established itself as one of the top-rated mortgage lenders serving southern West Virginia, including the Kellysville area. With exceptional 4.9-star ratings across multiple review platforms, they specialize in providing personalized mortgage solutions with their local loan office in Princeton. They're particularly noted for their expertise in rural housing loans including USDA loans, which are highly relevant for the Kellysville market. Their digital mortgage process combined with local expertise makes them a preferred choice for both purchase and refinance transactions throughout Mercer County and surrounding areas.
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Southern West Virginia Mortgage Services
Southern West Virginia Mortgage Services
As a locally-owned and operated mortgage broker serving southern West Virginia, this company has built an outstanding reputation for serving the Kellysville community and surrounding Mercer County areas. Their 4.8-star rating reflects consistent customer satisfaction with particular strength in first-time homebuyer programs and government-backed loans. The team has deep knowledge of the local real estate market and maintains strong relationships with area realtors. Their personalized approach and competitive rates make them a top choice for residents seeking mortgage financing in the Kellysville region.
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United Bank
United Bank Mortgage
United Bank has been a cornerstone financial institution serving southern West Virginia for over three decades, with their Bluefield branch conveniently located to serve Kellysville residents. With a 4.7-star rating and extensive experience in the local market, they offer comprehensive mortgage solutions including specialized construction-to-permanent loans that are particularly valuable in rural areas. Their community banking approach combined with the resources of a regional bank provides customers with both personalized service and competitive mortgage products. They have particular expertise in serving both urban and rural properties throughout Mercer County.
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Frequently Asked Questions
Common questions about mortgage lending in Kellysville, WV
Are there any special mortgage programs for first-time homebuyers in Kellysville, WV?
Yes, the West Virginia Housing Development Fund (WVHDF) offers several programs accessible to Kellysville residents, including the Homeownership Program with competitive interest rates and down payment assistance. These programs are particularly valuable in Kellysville's affordable market, helping buyers overcome initial cost barriers. It's also wise to check with local lenders in Mercer County for any additional community-specific incentives.
How do property taxes in Mercer County affect my monthly mortgage payment in Kellysville?
Mercer County property taxes are relatively low compared to national averages, which positively impacts your total monthly payment. For a typical Kellysville home, you can expect the annual tax rate to be around 0.59% of assessed value. Your lender will include this estimated amount in your monthly escrow payment, making overall housing costs more predictable and manageable.
What is the typical down payment needed for a home in Kellysville's market?
Given Kellysville's median home prices are well below the national average, down payments can be more accessible. While 20% is standard to avoid PMI, many local buyers successfully utilize FHA loans with down payments as low as 3.5% or USDA loans requiring 0% down, as parts of the area may qualify for rural development loans. Local lenders often work with these lower down payment options due to the market's price point.
Are there specific lenders in or near Kellysville familiar with the local real estate market?
Yes, working with a community bank or credit union based in Mercer County, such as those in nearby Princeton or Bluefield, is advantageous. These institutions have deep knowledge of local property values, appraisers, and the unique aspects of homes in the area, including older housing stock. Their local expertise can streamline the underwriting and closing process for Kellysville properties.
How does the appraisal process work for a home in a small town like Kellysville?
Appraisals in Kellysville can sometimes be challenging due to fewer recent comparable sales ("comps"). An appraiser will look at similar homes sold in Kellysville and surrounding Mercer County communities. It's helpful to provide your lender with any knowledge of recent local sales. Using a lender with strong local ties ensures they work with appraisers familiar with the micro-market, leading to a more accurate valuation.
Why Choose a Mortgage Lender in Kellysville?
Local Market Knowledge
Lenders who understand Kellysville'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 West Virginia.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Kellysville and get competitive rates on your home loan.