The Best Mortgage Lenders in Garfield, KS
Compare verified mortgage lenders serving Garfield, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Garfield
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender with a strong reputation for exceptional customer service and competitive rates. Founded in 1996, they have extensive experience serving rural and urban communities across Kansas, including Garfield. They are known for their efficient loan processing, personalized guidance, and a wide range of loan options. Their high ratings and substantial review count reflect consistent customer satisfaction and reliability in the mortgage industry.
Loan Types:
Guaranteed Rate
Guaranteed Rate
Guaranteed Rate is a highly regarded national mortgage lender with a significant presence in Kansas, offering digital and in-person services to areas like Garfield. Founded in 2000, they combine technology with personalized support to provide fast, transparent loan processes. Their competitive rates, diverse loan products, and strong customer feedback make them a trusted choice for homebuyers in the region, with a focus on efficiency and customer satisfaction.
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Movement Mortgage
Movement Mortgage
Movement Mortgage is renowned for its community-focused approach and rapid loan closings, serving Kansas communities including Garfield. Established in 2008, they have built a strong track record of high customer satisfaction through dedicated service and a variety of mortgage options. Their emphasis on local engagement and reliable support has earned them top ratings, making them an excellent choice for homebuyers seeking a responsive and trustworthy lender.
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Frequently Asked Questions
Common questions about mortgage lending in Garfield, KS
What are the current average mortgage rates for homebuyers in Garfield, KS?
Mortgage rates in Garfield typically align with national averages but can vary based on local lender competition. Currently, 30-year fixed rates range between 6.5-7% in the area. It's recommended to check with local institutions like Community National Bank or regional credit unions for the most competitive rates specific to Garfield County.
Are there any first-time homebuyer programs specifically available in Garfield, KS?
Yes, Garfield County residents can access Kansas Housing Resources Corporation programs, including the First Time Homebuyer Program and down payment assistance options. These programs offer competitive interest rates and up to $15,000 in down payment assistance, which is particularly valuable given Garfield's median home prices.
How does Garfield's rural location affect the mortgage process compared to larger Kansas cities?
Garfield's rural status can impact appraisals due to fewer comparable properties, potentially requiring appraisers from larger nearby towns. Some lenders may have specific requirements for rural properties, including well and septic inspections. However, USDA loans are widely available and particularly suitable for Garfield's qualifying rural areas.
What types of properties typically qualify for USDA loans in Garfield, KS?
Most of Garfield County qualifies for USDA rural development loans, which offer 100% financing. Eligible properties include single-family homes in designated rural areas, which encompasses nearly all of Garfield outside the small town centers. These loans are ideal for the area's agricultural and rural character.
How do property taxes in Garfield County affect mortgage payments and qualification?
Garfield County has relatively low property tax rates compared to urban Kansas areas, currently around 1.2-1.5% of assessed value. This lower tax burden can help buyers qualify for slightly higher loan amounts and results in more manageable monthly payments. Your lender will calculate these taxes into your debt-to-income ratio during pre-approval.
Why Choose a Mortgage Lender in Garfield?
Local Market Knowledge
Lenders who understand Garfield'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 Garfield and get competitive rates on your home loan.