The Best Mortgage Lenders in Fulton, KS
Compare verified mortgage lenders serving Fulton, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fulton
Featured Mortgage Lenders
Mortgage Department
NBKC Bank
NBKC Bank is a highly-rated regional lender known for its competitive rates and exceptional customer service in the Kansas City metro area, including Fulton, KS. With over two decades of experience, they offer a wide range of loan products and have built a strong reputation for transparency and efficiency in the mortgage process. Their high ratings and substantial review count reflect consistent customer satisfaction and reliability.
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Mortgage Services
Guaranteed Rate
Guaranteed Rate is a nationally recognized mortgage lender with a strong presence in Kansas, offering competitive rates and a user-friendly digital experience. Founded in 2000, they have earned high marks for their efficient processing and extensive loan options, serving Fulton residents with personalized service. Their extensive review base and longevity demonstrate a commitment to customer satisfaction and industry expertise.
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Loan Department
loanDepot
loanDepot is a reputable national mortgage lender known for its competitive rates and innovative technology, serving clients in Fulton and across Kansas. With over a decade of experience, they provide a variety of loan products and have a track record of efficient closings and strong customer support. Their high rating and substantial review count highlight their reliability and focus on making the mortgage process straightforward and accessible.
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Frequently Asked Questions
Common questions about mortgage lending in Fulton, KS
What are the current mortgage rates like for homebuyers in Fulton, KS?
Mortgage rates in Fulton typically align with national averages but can be slightly lower due to the area's rural classification and lower cost of living. As of recent trends, 30-year fixed rates in the Fulton area often range between 6.0-6.75%, but it's best to check with local lenders like Community National Bank or regional credit unions for the most current offers. Your specific rate will depend on credit score, loan type, and down payment amount.
Are there any first-time homebuyer programs specifically available in Fulton?
Yes, Fulton homebuyers can access the Kansas Housing Resources Corporation's First Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, the USDA Rural Development Loan is particularly relevant for Fulton properties since the entire area qualifies for this zero-down-payment program. Local lenders can help you determine which program best fits your financial situation and homeownership goals.
How does Fulton's rural location affect my mortgage options?
Fulton's rural designation opens up valuable USDA Rural Development loans, which require no down payment and offer competitive rates for qualified buyers. Many properties in the Fulton area also qualify for agricultural or rural property loans through local farm credit associations. However, you may find fewer conventional lender options compared to urban areas, making local community banks and credit unions your best resource.
What should I know about property taxes when getting a mortgage in Fulton?
Bourbon County property taxes in Fulton are relatively affordable compared to national averages, currently around 1.1-1.3% of assessed value. Your mortgage lender will factor these taxes into your monthly payment through an escrow account. It's important to note that agricultural land surrounding Fulton may have different tax classifications, so verify the exact tax status of any property you're considering.
Are there any local down payment assistance programs for Fulton homebuyers?
While Fulton itself doesn't offer city-specific programs, Bourbon County participates in the Kansas Housing Down Payment Assistance Program, which can provide up to $5,000 in matching funds for qualified buyers. Local employers like Bourbon County and the USD 234 school district may also offer employer-assisted housing programs. Check with Kansas Housing Resources Corporation and local employers about current availability.
Why Choose a Mortgage Lender in Fulton?
Local Market Knowledge
Lenders who understand Fulton'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 Fulton and get competitive rates on your home loan.