The Best Mortgage Lenders in Belleville, KS
Compare verified mortgage lenders serving Belleville, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Belleville
Featured Mortgage Lenders
Citizens State Bank & Trust Co.
Citizens State Bank & Trust Company
As Belleville's local community bank with over 135 years of service, Citizens State Bank & Trust Co. offers exceptional personalized mortgage services with deep roots in the community. They provide competitive rates and flexible loan options with local decision-making, ensuring quick turnaround times. Their experienced loan officers understand the unique needs of rural Kansas homeowners and offer comprehensive guidance through the entire mortgage process.
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Capitol Federal Savings Bank
Capitol Federal Savings Bank
Capitol Federal has been serving Kansas communities for over 125 years with a strong reputation for competitive mortgage rates and excellent customer service. As one of the largest mortgage lenders in Kansas, they offer a wide range of loan products and have extensive experience with rural property financing. Their digital mortgage platform combined with local branch support makes them a top choice for Belleville area residents seeking reliable mortgage services.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation - Manhattan Branch
Fairway Independent Mortgage is a nationally recognized lender with a strong local presence in northeast Kansas. Their Manhattan branch serves the Belleville area with exceptional customer satisfaction ratings and competitive rates. They specialize in first-time homebuyer programs and offer innovative technology for a streamlined mortgage process. With numerous industry awards and a commitment to community involvement, they provide professional guidance and flexible financing solutions for all types of borrowers.
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Frequently Asked Questions
Common questions about mortgage lending in Belleville, KS
What are the current average mortgage rates for homebuyers in Belleville, KS?
Mortgage rates in Belleville typically align with national averages but can be slightly lower due to the area's rural designation and lower cost of living. As of recent data, 30-year fixed rates often range from 6.5% to 7.25%, but it's best to check with local lenders like Citizens State Bank or Pony Express Community Bank for the most current Belleville-specific rates.
Are there any first-time homebuyer programs specifically available in Belleville?
Yes, Belleville homebuyers can access statewide Kansas programs like the First Time Homebuyer Program through Kansas Housing Resources Corporation (KHRC), which offers competitive interest rates and down payment assistance. Additionally, some local lenders may offer special programs for Republic County residents, so it's worth inquiring directly with Belleville-based financial institutions.
How does Belleville's rural location affect mortgage lending options?
Belleville's rural designation makes buyers eligible for USDA Rural Development loans, which offer 100% financing with no down payment required. This is particularly beneficial given the area's agricultural surroundings and can make homeownership more accessible for moderate-income families in Republic County.
What is the typical down payment requirement for homes in Belleville's market?
While conventional loans typically require 5-20% down, Belleville's affordable housing market (with median home prices around $100,000-$150,000) means many buyers can manage smaller down payments. FHA loans with 3.5% down are popular, and USDA loans require no down payment for eligible properties in this rural area.
Are there property tax considerations I should know about when getting a mortgage in Belleville?
Yes, Republic County property taxes are relatively moderate compared to urban Kansas areas, typically ranging from 1.2% to 1.5% of assessed value. Your mortgage lender will factor these taxes into your monthly payment calculations, and it's wise to review the specific tax rates for properties you're considering within Belleville city limits versus rural areas of the county.
Why Choose a Mortgage Lender in Belleville?
Local Market Knowledge
Lenders who understand Belleville'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 Kansas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Belleville and get competitive rates on your home loan.