The Best Mortgage Lenders in Beverly, KS
Compare verified mortgage lenders serving Beverly, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Beverly
Featured Mortgage Lenders
Credit Union of America Mortgage Department
Credit Union of America
As one of Kansas' largest and most established credit unions, Credit Union of America has been serving members across Kansas for over 85 years. They are particularly strong in the Wichita metropolitan area and serve communities throughout central Kansas, including Beverly. Their mortgage department receives exceptional ratings for personalized service, competitive rates, and local underwriting expertise. Members consistently praise their knowledgeable loan officers, streamlined process, and commitment to finding the right mortgage solution for each borrower's unique situation.
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Fidelity Bank Mortgage
Fidelity Bank
Fidelity Bank is a Wichita-based community bank with deep roots in Kansas, serving customers for over 125 years. Their mortgage division is highly regarded throughout central Kansas, including the Beverly area. They offer the advantage of local decision-making combined with comprehensive mortgage products. Customers consistently rate them highly for their responsive service, competitive rates, and the ability to work directly with local mortgage professionals who understand the Kansas housing market. Their long-standing presence ensures stability and trusted relationships.
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The Mortgage Group
The Mortgage Group, LLC
The Mortgage Group is a highly specialized mortgage brokerage firm based in Wichita that has built an outstanding reputation across central Kansas over 25 years. They serve the Beverly area with exceptional dedication to finding the perfect mortgage solution for each client. As a brokerage, they have access to multiple lenders and can shop rates on behalf of their clients. Their near-perfect rating reflects their commitment to customer satisfaction, with numerous reviews praising their expertise, communication, and ability to secure favorable terms. They are particularly noted for their work with first-time homebuyers and complex financing situations.
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Frequently Asked Questions
Common questions about mortgage lending in Beverly, KS
What are the current mortgage rates like for homes in Beverly, KS?
Mortgage rates in Beverly typically align with national averages but can be slightly influenced by local market conditions. For a rural community like Beverly, some lenders may offer competitive rates due to lower property values compared to urban areas. It's best to check with local Kansas lenders who understand the specific dynamics of small-town markets.
Are there any first-time homebuyer programs specifically available in Beverly?
Yes, Beverly homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehabilitation Loan Program. These programs often feature below-market interest rates and down payment assistance, which can be particularly helpful in Beverly's affordable housing market where median home prices are below state averages.
How does Beverly's rural location affect the mortgage approval process?
Beverly's rural classification can impact mortgage approvals through USDA loans, which are specifically designed for rural areas and offer 100% financing. However, some conventional lenders might have stricter requirements due to the smaller pool of comparable properties for appraisals. Working with lenders experienced in rural Kansas markets can streamline this process.
What unique closing costs should I expect when buying a home in Beverly?
In addition to standard closing costs, Beverly homebuyers should budget for rural-specific expenses like well and septic inspections, which are common in this area without municipal water systems. Title insurance and recording fees follow Kansas state standards, but you may encounter additional costs for surveys in this more rural setting.
Are there any local property tax considerations I should know about for Beverly mortgages?
Beverly property taxes in Marshall County are generally lower than urban Kansas areas, typically ranging from 1.1% to 1.4% of assessed value. However, Kansas has relatively high property taxes overall, so factor this into your debt-to-income ratio calculations. The stable tax environment in small towns like Beverly provides predictable housing costs long-term.
Why Choose a Mortgage Lender in Beverly?
Local Market Knowledge
Lenders who understand Beverly'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 Beverly and get competitive rates on your home loan.