The Best Mortgage Lenders in Frontenac, KS
Compare verified mortgage lenders serving Frontenac, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Frontenac
Featured Mortgage Lenders
Arvest Mortgage
Arvest Bank
Arvest Bank has been serving Southeast Kansas for over 60 years with a strong local presence in nearby Pittsburg, just minutes from Frontenac. They offer competitive mortgage rates and personalized service through local loan officers who understand the unique needs of Crawford County residents. Their comprehensive mortgage options include specialized programs for first-time homebuyers and veterans, backed by exceptional customer service ratings and deep community involvement.
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Cornerstone Mortgage Company
Cornerstone Mortgage Company
Cornerstone Mortgage Company has built an outstanding reputation in Southeast Kansas with nearly perfect customer satisfaction ratings. Located in nearby Pittsburg, they specialize in personalized mortgage solutions for Frontenac area homebuyers. Their experienced loan officers provide exceptional guidance through the entire mortgage process, offering competitive rates and flexible terms. They're particularly praised for their responsive communication and ability to close loans efficiently.
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Academy Mortgage
Academy Mortgage Corporation
Academy Mortgage is a nationally recognized lender with strong Kansas presence that serves the Frontenac area through their regional offices. They combine the resources of a large mortgage company with personalized local service, offering a wide range of loan products including specialized programs for rural properties common in Southeast Kansas. Their digital mortgage platform streamlines the application process while maintaining high-touch customer service, earning them consistent top ratings for both rate competitiveness and customer satisfaction.
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Frequently Asked Questions
Common questions about mortgage lending in Frontenac, KS
What are current mortgage rates like for homes in Frontenac, KS?
Mortgage rates in Frontenac typically align with national averages but can be influenced by local market conditions. Currently, rates for 30-year fixed mortgages in the area range from 6.5% to 7.25%, depending on credit score and loan type. It's recommended to compare offers from both local Kansas lenders and national institutions for the best rate.
Are there any first-time homebuyer programs specifically available in Frontenac?
Yes, Frontenac homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeownership Set-Aside Program. These programs offer competitive interest rates, down payment assistance, and closing cost help for qualifying buyers. Additionally, some local lenders may offer special programs for Frontenac residents.
How does Frontenac's rural location affect mortgage lending options?
Frontenac's designation as a rural area makes some buyers eligible for USDA loans, which offer 100% financing with no down payment required. This can be particularly advantageous given the area's more affordable housing prices compared to larger Kansas cities. However, not all properties in Frontenac qualify, so verification with a local USDA-approved lender is essential.
What should I know about property taxes when getting a mortgage in Frontenac?
Crawford County property taxes in Frontenac typically range from 1.1% to 1.4% of assessed value, which lenders factor into your debt-to-income ratio. These taxes are generally lower than in larger Kansas cities but can vary based on specific property location and improvements. Your lender will help estimate these costs for accurate monthly payment calculations.
Are there local lenders in Frontenac who understand the specific market conditions?
Yes, several community banks and credit unions in the Frontenac area have deep knowledge of local property values and market trends. Institutions like Community National Bank and Credit Union of Crawford County offer personalized service and understand factors unique to Southeast Kansas, such as the area's stable but slower-appreciating housing market.
Why Choose a Mortgage Lender in Frontenac?
Local Market Knowledge
Lenders who understand Frontenac'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 Frontenac and get competitive rates on your home loan.