The Best Mortgage Lenders in Circleville, KS
Compare verified mortgage lenders serving Circleville, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Circleville
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is highly rated for its exceptional customer service, competitive rates, and efficient loan processing. With over 27 years in business, they have a strong regional presence in Kansas, including serving rural areas like Circleville. They offer a wide range of loan products and are known for their personalized approach and high customer satisfaction scores.
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NBKC Bank
National Bank of Kansas City
NBKC Bank is a reputable community-focused lender with over two decades of experience serving Kansas residents. They are praised for their competitive mortgage rates, transparent processes, and strong customer support. Although based in the Kansas City area, they actively serve Circleville and surrounding regions, with high ratings for reliability and local expertise.
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New American Funding
New American Funding
New American Funding is a nationally recognized lender with a strong track record in Kansas, offering diverse loan programs tailored to various needs, including rural and underserved areas like Circleville. They are known for their innovative technology, competitive rates, and commitment to customer satisfaction, with numerous awards for service and inclusivity.
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Frequently Asked Questions
Common questions about mortgage lending in Circleville, KS
What are the current average mortgage rates for homebuyers in Circleville, KS?
Mortgage rates in Circleville typically align with national averages but can vary slightly based on local lenders. As of recent data, 30-year fixed rates in the area generally range between 6.5% and 7.25%. It's best to check with local banks like Pottawatomie State Bank or regional credit unions for the most current rates specific to Circleville properties.
Are there any special first-time homebuyer programs available specifically for Circleville residents?
Yes, Circleville homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeownership Set-Aside Program. These offer competitive interest rates, down payment assistance, and closing cost help. Additionally, some local lenders may offer special programs for Pottawatomie County residents purchasing their first home.
How does Circleville's rural location affect the mortgage approval process?
Circleville's rural setting can impact appraisals since comparable properties may be limited in the immediate area. Lenders might require appraisers to look at comparable sales from nearby towns like Onaga or Westmoreland. USDA loans are particularly advantageous here since most of Circleville qualifies for USDA rural development loans requiring no down payment.
What types of properties in Circleville typically qualify for USDA rural development loans?
Most single-family homes in and around Circleville qualify for USDA loans since the town meets population and income eligibility requirements. This includes existing homes, new construction, and even some manufactured homes that meet specific criteria. The property must be in an eligible rural area and serve as your primary residence.
Are property taxes in Circleville typically included in mortgage escrow accounts?
Yes, most lenders in Circleville include Pottawatomie County property taxes in escrow accounts as part of your monthly mortgage payment. Current property tax rates in the area average around 1.2% to 1.5% of assessed value. Your lender will calculate this based on the specific property's tax assessment and include it in your payment estimate.
Why Choose a Mortgage Lender in Circleville?
Local Market Knowledge
Lenders who understand Circleville'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 Circleville and get competitive rates on your home loan.