The Best Mortgage Lenders in Englewood, KS
Compare verified mortgage lenders serving Englewood, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Englewood
Featured Mortgage Lenders
CommunityAmerica Credit Union Mortgage Team
CommunityAmerica Credit Union
CommunityAmerica Credit Union is one of Kansas's most trusted mortgage lenders with deep roots in the Kansas City metropolitan area, including serving Englewood residents. As a not-for-profit financial cooperative, they offer highly competitive rates and personalized service. Their mortgage team consistently receives outstanding reviews for their responsiveness, expertise with first-time homebuyer programs, and seamless closing process. They provide comprehensive digital mortgage tools alongside local, knowledgeable loan officers who understand the Kansas housing market.
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Capitol Federal Savings Bank Mortgage Division
Capitol Federal Savings Bank
Capitol Federal Savings Bank has been serving Kansas communities for over a century and maintains a strong presence throughout Johnson County, including Englewood. Known locally as "Cap Fed," they're celebrated for their stability, competitive fixed-rate mortgages, and exceptional customer service. Their mortgage specialists are praised for guiding borrowers through the entire process with clarity and professionalism. As a mutual savings bank, they prioritize customer relationships over shareholder profits, resulting in consistently favorable terms and local decision-making.
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Fairway Independent Mortgage Corporation - Overland Park
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation's Overland Park office serves the entire Kansas City metro area, including Englewood, with exceptional mortgage services. They consistently rank among the top mortgage lenders nationally and receive outstanding local reviews for their efficient processing, competitive rates, and expert loan officer team. Specializing in both purchase and refinance loans, they're particularly noted for their innovative technology platform that streamlines the application process while maintaining personal service. Their strong relationships with real estate professionals throughout Johnson County make them a preferred lender for many local transactions.
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Frequently Asked Questions
Common questions about mortgage lending in Englewood, KS
What are the current average mortgage rates for homebuyers in Englewood, KS?
Mortgage rates in Englewood typically align with national averages but can vary based on local lender competition and borrower qualifications. As of recent data, 30-year fixed rates in the area generally range from 6.5% to 7.25%, though Johnson County's strong economic profile may help some buyers secure more favorable terms. It's best to compare offers from both local Kansas banks and national lenders operating in the area.
Are there any first-time homebuyer programs specifically available in Englewood?
Yes, Englewood residents can access the Kansas Housing Resources Corporation's First Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, Johnson County's HOME program provides down payment assistance up to $10,000 for eligible buyers. These programs are particularly valuable given Englewood's median home prices being slightly above state averages.
How does Englewood's rural location affect mortgage lending options?
Englewood's rural character makes USDA loans an attractive option for many buyers, as much of the area qualifies for USDA rural development financing requiring no down payment. However, being in Johnson County means you still have access to urban-level lender competition and services. Some lenders may require additional documentation for property assessments due to the mix of rural and suburban characteristics.
What unique closing costs should I expect when buying a home in Englewood?
Englewood homebuyers should budget for typical Kansas closing costs plus some Johnson County-specific fees. These include title insurance rates regulated by Kansas, recording fees with the Johnson County Register of Deeds, and potential rural water district connection fees if outside municipal services. Property transfer taxes are generally lower than national averages since Kansas doesn't impose state-level transfer taxes.
How do property values in Englewood compare to surrounding areas for mortgage qualification?
Englewood offers more affordable housing options compared to nearby Johnson County suburbs like Overland Park or Olathe, with median home prices typically 15-20% lower. This can make qualifying for mortgages easier while still providing access to Johnson County amenities and schools. Lenders often view Englewood properties favorably due to stable values and the area's proximity to employment centers.
Why Choose a Mortgage Lender in Englewood?
Local Market Knowledge
Lenders who understand Englewood'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 Englewood and get competitive rates on your home loan.