The Best Mortgage Lenders in Edwardsville, KS
Compare verified mortgage lenders serving Edwardsville, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Edwardsville
Featured Mortgage Lenders
CrossCountry Mortgage, LLC
CrossCountry Mortgage, LLC - Overland Park
CrossCountry Mortgage's Overland Park office serves the entire Kansas City metro area including Edwardsville with exceptional customer service and comprehensive loan options. They maintain a near-perfect rating due to their personalized approach, competitive rates, and extensive experience with Kansas-specific mortgage requirements. Their team specializes in guiding clients through the entire home financing process with transparency and expertise.
Loan Types:
NBKC Bank
NBKC Bank
NBKC Bank has built a strong reputation throughout the Kansas City region including Edwardsville for their competitive mortgage rates and streamlined online application process. As a local bank with national reach, they combine personalized service with digital convenience. They're particularly noted for their construction loans and VA loan expertise, with numerous awards for customer satisfaction and mortgage lending excellence.
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CommunityAmerica Credit Union
CommunityAmerica Credit Union
As one of the largest credit unions in the Kansas City area, CommunityAmerica has been serving Edwardsville residents for decades with competitive mortgage products and exceptional member service. They offer special first-time homebuyer programs and consistently receive high marks for their low fees, personalized guidance, and community-focused approach. Their long-standing presence in the region ensures deep understanding of local real estate markets.
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Frequently Asked Questions
Common questions about mortgage lending in Edwardsville, KS
What are the current mortgage rates like for homebuyers in Edwardsville, KS?
Mortgage rates in Edwardsville are generally competitive with national averages but can be influenced by local market conditions. Currently, rates for 30-year fixed mortgages typically range from the mid-6% to low-7% range, though this varies by lender, loan type, and borrower qualifications. It's wise to compare rates from both local Kansas City area lenders and national providers.
Are there any first-time homebuyer programs available specifically in Edwardsville?
Yes, Edwardsville homebuyers can access the statewide Kansas Housing Resources Corporation (KHRC) programs, including First Time Homebuyer Program and Homeownership Set-Aside Program, which offer competitive interest rates and down payment assistance. Additionally, some Wyandotte County programs may be accessible since Edwardsville is part of the Kansas City metro area, providing additional support for qualifying buyers.
How does Edwardsville's proximity to Kansas City affect mortgage lending and housing costs?
Edwardsville's location in the Kansas City metropolitan area means lenders are familiar with the local market and often offer competitive terms. However, being part of this growing metro area also means housing prices have been rising, with median home values typically ranging from $250,000 to $350,000. This urban proximity can mean stricter appraisal requirements as lenders want to ensure the property value aligns with the broader KC market.
What should I know about property taxes and insurance when getting a mortgage in Edwardsville?
Edwardsville property taxes are generally lower than nearby Johnson County but higher than some rural Kansas areas, typically around 1.1-1.4% of assessed value. Your mortgage lender will factor this into your debt-to-income ratio. Homeowners insurance costs are also important to consider, as Edwardsville's location in tornado alley can slightly increase premiums compared to less risky regions.
Are there any special mortgage considerations for buying newer construction homes in Edwardsville?
Yes, Edwardsville has seen significant new construction development, particularly in subdivisions near I-435. For these properties, lenders may require specific construction-to-permanent loans or have different appraisal requirements. Many builders in the area have preferred lenders who offer incentives, but it's still crucial to shop around for the best mortgage terms rather than automatically using the builder's lender.
Nearby Cities
Explore mortgage lenders in cities near Edwardsville, KS
Why Choose a Mortgage Lender in Edwardsville?
Local Market Knowledge
Lenders who understand Edwardsville'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 Edwardsville and get competitive rates on your home loan.