The Best Mortgage Lenders in Easton, KS
Compare verified mortgage lenders serving Easton, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Easton
Featured Mortgage Lenders
Security Benefit Association
Security Benefit Association
Security Benefit Association is a highly-rated Kansas-based credit union with strong statewide presence serving the Easton area. They are known for competitive mortgage rates, personalized service, and deep community roots. With over two decades of experience, they offer comprehensive mortgage solutions including specialized rural and agricultural property loans suitable for the Easton region. Their high customer satisfaction ratings reflect their commitment to local homebuyers.
Loan Types:
Capitol Federal Savings Bank
Capitol Federal Savings Bank
As one of Kansas' most established and trusted financial institutions, Capitol Federal has been serving communities throughout Kansas for over a century. They maintain a strong presence in northeast Kansas and specifically serve the Easton area with competitive mortgage products. Known for their "True Blue" commitment to customer service, they offer local underwriting decisions and personalized guidance throughout the mortgage process, making them particularly valuable for rural property financing.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation - Kansas City
Fairway Independent Mortgage has a strong Kansas City area presence and actively serves clients throughout northeast Kansas, including Easton. They are nationally recognized for exceptional customer service and competitive rates, earning numerous industry awards. Their local loan officers have extensive experience with rural Kansas properties and offer a wide range of mortgage options with efficient processing. The company's high review ratings and extensive experience make them a top choice for Easton area homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Easton, KS
What are the current average mortgage rates for homebuyers in Easton, KS?
Mortgage rates in Easton typically align with national averages but can be slightly lower due to the rural nature of the area and lower property values. As of late 2024, 30-year fixed rates in Easton generally range from 6.5% to 7.25%, but it's best to check with local lenders like Community National Bank or Leavenworth Federal Savings for the most accurate, personalized rates based on your credit profile and loan type.
Are there any first-time homebuyer programs specifically available in Easton?
While Easton itself doesn't offer city-specific programs, Kansas Housing Resources Corporation (KHRC) provides statewide first-time homebuyer programs that are accessible to Easton residents. These include down payment assistance, competitive interest rates, and homebuyer education courses. Local lenders familiar with these programs can help you apply for options like the First Time Homebuyer Program or the KHRC Loan Program.
How does Easton's rural location affect the mortgage process?
Easton's rural setting can impact appraisals, as comparable properties might be limited compared to urban areas, potentially requiring appraisers with specific knowledge of Leavenworth County's rural market. Additionally, some lenders may have specific requirements or programs for rural properties, including USDA loans, which are particularly relevant in Easton and can offer 100% financing for eligible borrowers.
What types of properties in Easton might qualify for USDA rural housing loans?
Most properties in Easton qualify for USDA loans due to its rural designation. This includes single-family homes, townhomes, and approved condos that meet USDA property standards. The key requirements are that the property must be in an eligible rural area (which Easton is) and serve as your primary residence, making this a valuable zero-down-payment option for many Easton homebuyers.
Are property taxes in Easton typically included in mortgage escrow accounts?
Yes, most lenders in Easton will include Leavenworth County property taxes in your monthly mortgage payment through an escrow account. Easton's property tax rates are generally lower than urban areas in Kansas, but still significant enough that lenders prefer to escrow them. Your lender will calculate the estimated annual taxes and divide them into monthly payments, then pay the county directly when taxes are due.
Nearby Cities
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Why Choose a Mortgage Lender in Easton?
Local Market Knowledge
Lenders who understand Easton'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 Easton and get competitive rates on your home loan.