The Best Mortgage Lenders in Gardner, KS
Compare verified mortgage lenders serving Gardner, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Gardner
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender with a strong local presence in the Kansas City metro area, including Gardner. Known for exceptional customer service, competitive rates, and a wide range of loan options, they have consistently high ratings for their expertise in handling first-time homebuyer loans, refinancing, and government-backed programs. Their long-standing reputation and commitment to community involvement make them a trusted choice for homeowners in Johnson County.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is highly regarded for its efficient digital mortgage process and fast closings, serving Gardner and the broader Johnson County area. With a focus on customer satisfaction, they offer personalized service and competitive loan products, including specialized programs for veterans and low-down-payment options. Their strong review ratings reflect a commitment to transparency and reliability in the home lending process.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a nationally recognized lender with a robust local office in Overland Park that actively serves Gardner residents. They are praised for their competitive interest rates, user-friendly online platform, and extensive loan options tailored to diverse financial situations. With a track record of high customer satisfaction and years of experience, they provide reliable guidance for home purchases and refinances in the Kansas City region.
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Frequently Asked Questions
Common questions about mortgage lending in Gardner, KS
What are the current mortgage rates like in Gardner, KS?
Mortgage rates in Gardner typically align with national averages but can be influenced by local market competition. Currently, rates for 30-year fixed mortgages in the area range from the mid-6% to low-7% range, though this varies by lender, loan type, and borrower qualifications. Shopping around with local lenders and credit unions can help you find the most competitive rates.
Are there any first-time homebuyer programs specific to Gardner?
Yes, Gardner homebuyers can access the statewide First Time Home Buyer Program offered by the Kansas Housing Resources Corporation (KHRC). This program provides competitive interest rates, down payment assistance, and mortgage credit certificates for eligible buyers. Additionally, some local lenders may offer special programs or grants for Gardner residents purchasing their first home.
How does Gardner's growth affect mortgage lending and home values?
Gardner's rapid growth as part of the Kansas City metro area has created strong housing demand, leading to steady home value appreciation. This growth means lenders may view Gardner properties as good investments, potentially resulting in favorable loan terms. However, buyers should be prepared for competitive markets and potentially higher prices compared to less rapidly growing Johnson County communities.
What special considerations should I know about property taxes when getting a mortgage in Gardner?
Gardner property taxes in Johnson County are relatively moderate compared to other parts of the metro area, currently averaging around 1.2-1.4% of assessed value. When calculating your mortgage payment, lenders will include these property taxes in your escrow account. It's important to factor in that property taxes may increase as home values appreciate in this growing community.
Are there any local down payment assistance programs available for Gardner homebuyers?
While Gardner doesn't have city-specific down payment programs, buyers can utilize Kansas-wide programs like the KHRC's Down Payment Assistance program, which offers up to $5,000 as a second mortgage. Some Johnson County lenders also offer special programs, and certain neighborhoods in Gardner may qualify for USDA rural development loans, which require no down payment for eligible properties and borrowers.
Why Choose a Mortgage Lender in Gardner?
Local Market Knowledge
Lenders who understand Gardner'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 Gardner and get competitive rates on your home loan.