The Best Mortgage Lenders in Denton, KS
Compare verified mortgage lenders serving Denton, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Denton
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in the Kansas City metro area, serving Denton, KS through its Overland Park office. Known for its competitive rates and innovative online tools, the company excels in customer satisfaction with a streamlined application process. It offers a wide range of loan products, including specialized options for first-time homebuyers and veterans, backed by 24 years of industry experience. High ratings stem from its transparency, efficiency, and dedicated local support team, making it a reliable choice for borrowers in rural and urban areas alike.
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Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a highly reputable lender with deep roots in Kansas, providing exceptional service to Denton residents through its Olathe branch. Praised for its personalized approach and expertise in various mortgage types, including USDA loans ideal for rural areas like Denton, the company boasts a 4.8 rating due to its commitment to customer care and competitive rates. With 28 years in business, it has built a strong track record for reliability, fast closings, and community involvement, supported by hundreds of positive reviews highlighting its responsive and knowledgeable staff.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a dynamic lender with a significant regional presence in Kansas, offering comprehensive mortgage solutions to Denton, KS from its Lenexa office. Recognized for its fast processing times and focus on community engagement, it maintains a 4.6 rating based on customer feedback emphasizing ease of use and supportive service. Founded in 2008, it brings 16 years of experience, specializing in first-time homebuyer programs and government-backed loans, with a reputation for transparency and competitive pricing that appeals to both urban and rural borrowers in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Denton, KS
What are the current average mortgage rates for homebuyers in Denton, KS?
Mortgage rates in Denton typically align with national averages but can vary based on local lenders and property types. As of recent data, 30-year fixed rates in the area range from 6.5% to 7.2%, though rural properties might see slightly higher rates. It's best to check with local Denton County lenders like Citizens State Bank or Central National Bank for the most accurate, current rates.
Are there any first-time homebuyer programs specifically available in Denton, KS?
Yes, Denton homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab Program, which offer competitive interest rates and down payment assistance. Additionally, some local lenders may offer special programs for Denton residents purchasing in the city limits. These programs are particularly valuable given Denton's affordable housing market compared to larger Kansas cities.
How does Denton's rural location affect mortgage lending requirements?
Denton's rural classification can impact lending through USDA Rural Development loans, which are widely available and offer 100% financing with no down payment required. However, some conventional lenders may require additional property inspections or have stricter appraisal requirements due to the agricultural surroundings. Working with lenders experienced in rural Kansas properties is recommended for smoother processing.
What unique closing costs should I expect when buying a home in Denton, KS?
Denton homebuyers should budget for typical Kansas closing costs plus some local considerations, including title insurance specific to rural properties and potential well/septic inspections. Property transfer taxes in Kansas are generally lower than national averages, but you'll want to account for county recording fees and any special assessments. Local lenders can provide detailed estimates based on Denton's current fee structures.
How long does the mortgage approval process typically take in Denton's real estate market?
The mortgage process in Denton typically takes 30-45 days, similar to most rural Kansas markets. However, timing can vary based on property type and lender workload - agricultural properties or homes needing well/septic verification may add 1-2 weeks. Working with local lenders who understand Denton's specific requirements can help streamline the process and avoid delays common with out-of-area lenders.
Why Choose a Mortgage Lender in Denton?
Local Market Knowledge
Lenders who understand Denton'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 Denton and get competitive rates on your home loan.