The Best Mortgage Lenders in Chase, KS
Compare verified mortgage lenders serving Chase, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Chase
Featured Mortgage Lenders
Veterans United Home Loans
Veterans United Home Loans
Veterans United Home Loans is a top-rated mortgage lender specializing in VA loans, with exceptional customer satisfaction and a strong reputation for serving military families and veterans in Kansas. Founded in 2002, they offer a seamless online application process, competitive rates, and personalized service, making them a trusted choice for homebuyers in Chase and surrounding areas. Their high ratings and extensive review count reflect their reliability and commitment to helping clients achieve homeownership.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a highly reputable mortgage lender with a strong local presence in Wichita, serving Chase, Kansas, and offering competitive rates and a digital-first approach. Founded in 2000, they provide a wide range of loan options, including conventional and government-backed loans, with an emphasis on transparency and efficiency. Their high customer ratings and substantial review count highlight their dedication to excellent service and community involvement in the region.
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New American Funding
New American Funding
New American Funding is a well-established mortgage lender known for its diverse loan products and exceptional customer service, with a branch in Overland Park that serves Chase, Kansas. Founded in 2003, they focus on providing flexible financing solutions, including programs for first-time homebuyers and refinancing, backed by a team of local experts. Their strong ratings and review count demonstrate their reliability and commitment to helping clients navigate the mortgage process smoothly.
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Frequently Asked Questions
Common questions about mortgage lending in Chase, KS
What are the current average mortgage rates for homebuyers in Chase, KS?
Mortgage rates in Chase typically align with national averages but can be slightly influenced by local market conditions and property types common in Rice County. As of recent trends, 30-year fixed rates generally range from 6.5% to 7.25%, though rural properties may see slight variations. It's best to check with local lenders for the most current rates specific to Chase properties.
Are there any special mortgage programs for first-time homebuyers in Chase?
Yes, Chase homebuyers can access Kansas Housing Resources Corporation programs like the First Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, some local lenders may offer special programs for rural properties common in the Chase area. These programs are particularly valuable given Chase's affordable housing market compared to larger Kansas cities.
How does Chase's rural location affect the mortgage approval process?
Chase's rural setting means lenders may require additional property inspections and appraisals to account for well water, septic systems, and agricultural influences. Some properties might qualify for USDA loans, which offer 100% financing but require specific property and location eligibility. Working with lenders experienced in rural Kansas properties can streamline this process.
What unique closing costs should I expect when buying a home in Chase?
Beyond standard closing costs, Chase homebuyers should budget for rural-specific expenses like well and septic inspections, which typically cost $400-$600 combined. Title insurance might be slightly higher due to the smaller local market, and you may encounter additional fees for surveying rural property boundaries. These costs are important to factor into your overall homebuying budget.
Are there any local down payment assistance programs specifically for Chase residents?
While Chase itself doesn't offer city-specific programs, residents can access Rice County and state-level assistance. The Kansas Home Program provides down payment assistance up to $15,000 for eligible buyers, and some lenders offer special terms for properties in smaller communities like Chase. These programs help offset the challenge of saving for a down payment in rural areas with limited local employment opportunities.
Nearby Cities
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Why Choose a Mortgage Lender in Chase?
Local Market Knowledge
Lenders who understand Chase'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 Chase and get competitive rates on your home loan.