The Best Mortgage Lenders in Enterprise, KS
Compare verified mortgage lenders serving Enterprise, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Enterprise
Featured Mortgage Lenders
Central National Bank Mortgage Team
Central National Bank
Central National Bank stands as one of the most established and highly-rated mortgage lenders serving the Enterprise area through their Abilene location just 15 miles away. With deep roots in Dickinson County dating back to 1884, they offer exceptional local knowledge and personalized service. Their mortgage team receives outstanding reviews for their responsiveness, competitive rates, and expertise with rural property financing including USDA loans. As a community bank with strong ties to Enterprise and surrounding communities, they provide the advantage of local decision-making combined with comprehensive mortgage products.
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Sunflower Bank Mortgage Division
Sunflower Bank, N.A.
Sunflower Bank provides exceptional mortgage services to Enterprise residents through their nearby Abilene branch, with a strong reputation for competitive rates and outstanding customer service. As a regional bank with deep Kansas roots since 1892, they understand the unique needs of rural communities like Enterprise. Their mortgage specialists receive high praise for guiding borrowers through the entire process with clarity and efficiency. They excel at first-time homebuyer programs and offer specialized knowledge of USDA rural development loans that are particularly relevant for Enterprise home purchases.
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Guild Mortgage Company - Salina Office
Guild Mortgage Company
Guild Mortgage's Salina office serves Enterprise with exceptional dedication and receives outstanding customer reviews for their expertise and service quality. As a nationwide lender with strong local presence, they combine the resources of a major mortgage company with personalized attention. Their loan officers have particular expertise in rural Kansas properties and receive consistent praise for their communication skills and ability to close loans efficiently. Guild Mortgage offers competitive rates and a wide range of loan programs, with special strength in government-backed loans including VA and USDA options that benefit Enterprise homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Enterprise, KS
What are the current average mortgage rates for homebuyers in Enterprise, KS?
Mortgage rates in Enterprise typically align with national averages but can vary based on local lenders. Currently, 30-year fixed rates hover around 6.5-7%, while 15-year fixed rates are approximately 5.75-6.25%. It's best to check with local banks like Citizens State Bank or Central National Bank for the most accurate, personalized rates.
Are there any first-time homebuyer programs specific to Enterprise, KS?
While Enterprise itself doesn't offer city-specific programs, Kansas has several statewide programs accessible to Enterprise residents. The Kansas Housing Resources Corporation offers first-time homebuyer programs with down payment assistance and competitive rates. Additionally, some local lenders may have special programs for first-time buyers in Dickinson County.
How does Enterprise's rural location affect mortgage lending and property appraisal processes?
Enterprise's rural setting means appraisals may take longer and require appraisers familiar with agricultural and rural residential properties. Lenders might be more cautious about unique properties or land values. Working with local lenders who understand the area's specific market dynamics can help streamline this process.
What types of properties are most common for mortgage financing in Enterprise?
Most mortgage financing in Enterprise involves single-family homes, often with larger lots typical of rural communities. You'll also find financing for farms and agricultural properties, though these may require specialized loan programs. Conventional loans work well for standard residential properties, while USDA loans are popular for qualifying rural properties.
Are there any local property tax considerations I should know about when getting a mortgage in Enterprise?
Yes, Dickinson County property taxes are an important factor in your mortgage calculations. Enterprise has relatively moderate property tax rates compared to urban areas, but you should factor in potential special assessments for rural infrastructure. Your lender will help estimate these costs for your escrow account, but consulting the Dickinson County Appraiser's office can provide precise figures.
Why Choose a Mortgage Lender in Enterprise?
Local Market Knowledge
Lenders who understand Enterprise'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 Enterprise and get competitive rates on your home loan.