The Best Mortgage Lenders in Bentley, KS
Compare verified mortgage lenders serving Bentley, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Bentley
Featured Mortgage Lenders
Scott R. Riddle
Fidelity Bank
Fidelity Bank is one of the most established and highly-rated regional banks serving the Bentley area, with over 115 years of community banking experience. They maintain exceptional customer satisfaction ratings with personalized mortgage services and competitive rates. As a locally-headquartered bank with multiple Wichita locations, they have deep roots in Sedgwick County and understand the specific needs of Bentley area homebuyers. Their mortgage team provides comprehensive guidance through conventional, government-backed, and specialized loan programs with local underwriting decisions.
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Mortgage Department
Credit Union of America
Credit Union of America has been serving south-central Kansas communities for over eight decades and is highly accessible to Bentley residents. They consistently earn top ratings for mortgage lending with competitive rates, low fees, and exceptional member service. As a not-for-profit financial cooperative, they prioritize member benefits over profits, resulting in particularly favorable terms for first-time homebuyers and those seeking government-backed loans. Their local decision-making and community-focused approach make them a preferred choice for personalized mortgage solutions.
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Jason Glidewell
The Mortgage Group
The Mortgage Group is a highly-rated independent mortgage broker with extensive experience serving Sedgwick County and surrounding communities including Bentley. They maintain exceptional 4.9-star ratings across multiple review platforms due to their personalized service, competitive rate shopping across multiple lenders, and efficient loan processing. As mortgage brokers rather than direct lenders, they provide access to wholesale rates and a wide variety of loan products that might not be available through single institutions. Their local expertise and commitment to customer education make them particularly valuable for complex financing situations.
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Frequently Asked Questions
Common questions about mortgage lending in Bentley, KS
What are the current average mortgage rates for homebuyers in Bentley, KS?
Mortgage rates in Bentley 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 trends, 30-year fixed rates often range between 6.5% and 7%, but working with a local lender who understands Sedgwick County's market can help secure competitive terms. It's important to get personalized quotes as rates vary by lender, credit score, and loan type.
Are there any first-time homebuyer programs specifically available in Bentley?
Yes, Bentley homebuyers can access the "Kansas Housing Resources Corporation" (KHRC) first-time homebuyer programs, which offer down payment assistance and affordable fixed-rate mortgages. Additionally, Sedgwick County occasionally has local grants or programs for moderate-income buyers. These programs are particularly valuable in Bentley's affordable market where median home prices are below state averages.
How does Bentley's rural location affect mortgage lending options?
Bentley's rural designation makes buyers eligible for USDA rural development loans, which offer 100% financing with no down payment required. This is a significant advantage in Bentley's real estate market, where many properties qualify. Local lenders are familiar with these programs and can guide buyers through the specific property eligibility requirements in the Bentley area.
What special considerations should I know about property taxes when getting a mortgage in Bentley?
Bentley homeowners benefit from relatively low property tax rates compared to larger Kansas cities, with Sedgwick County rates typically around 1.3-1.5% of assessed value. When calculating your mortgage payment, lenders will escrow approximately $1,200-$1,800 annually for taxes on a median-priced Bentley home. The stable tax environment makes long-term budgeting more predictable for mortgage holders.
Are there any local Bentley programs that help with down payments or closing costs?
While Bentley itself doesn't have city-specific programs, buyers can utilize Sedgwick County's down payment assistance programs and the statewide Kansas Home Program. Many local lenders also offer lender-paid closing cost options, which is particularly helpful in Bentley's market where closing costs typically range from 2-5% of the home price. Working with a mortgage broker familiar with central Kansas resources can maximize these opportunities.
Why Choose a Mortgage Lender in Bentley?
Local Market Knowledge
Lenders who understand Bentley'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 Bentley and get competitive rates on your home loan.