The Best Mortgage Lenders in Girard, KS
Compare verified mortgage lenders serving Girard, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Girard
Featured Mortgage Lenders
Community National Bank Mortgage Team
Community National Bank
As the primary local banking institution in Girard itself, Community National Bank offers deeply personalized mortgage services with exceptional community knowledge. With over 130 years serving Crawford County, they provide the advantage of local underwriting decisions and relationship-based lending. Their mortgage team understands the unique rural and agricultural aspects of Southeast Kansas properties, offering specialized construction loans and USDA rural development loans perfect for the Girard area. Customers consistently praise their responsive service, competitive rates, and the convenience of working with lenders who have deep roots in the community.
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Mokan Mortgage
Mokan Mortgage LLC
Located just 10 miles from Girard in Pittsburg, Mokan Mortgage has built an outstanding reputation throughout Crawford County for exceptional customer service and expertise with rural lending programs. Specializing in USDA loans that are particularly relevant to the Girard area, they've helped numerous local families achieve homeownership. Their team provides personalized guidance through the entire mortgage process with remarkable attention to detail. Reviewers consistently highlight their transparency, competitive rates, and the educational approach they take with first-time homebuyers, making them a top choice for Southeast Kansas residents.
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Fidelity Bank Mortgage Division
Fidelity Bank
As a strong regional bank with multiple branches throughout Southeast Kansas, Fidelity Bank has extensive experience serving the Girard community with comprehensive mortgage solutions. Their local mortgage experts provide the perfect blend of community banking personal service with the resources of a larger institution. They offer particularly strong construction and lot loan programs that cater well to the rural nature of Crawford County. With decades of stable operation and deep community involvement, they've earned trust through consistent, reliable service and competitive loan products tailored to local market conditions.
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Frequently Asked Questions
Common questions about mortgage lending in Girard, KS
What are the current average mortgage rates for homebuyers in Girard, KS?
Mortgage rates in Girard typically align with national averages but can vary based on local lenders and property types. Currently, 30-year fixed rates in the area range from 6.5% to 7.25%, though rural properties may see slightly higher rates. It's best to check with local Girard banks and credit unions for the most competitive rates.
Are there any first-time homebuyer programs specifically available in Girard?
Yes, Girard homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab Program. These offer competitive interest rates, down payment assistance, and closing cost help for qualifying buyers. Additionally, some local lenders may offer special programs for Girard residents.
How does Girard's rural location affect mortgage lending requirements?
Girard's rural designation can work to your advantage through USDA Rural Development loans, which offer 100% financing with no down payment required. However, some conventional lenders may require additional property inspections for older homes common in the area. Appraisal processes might also consider the limited comparable sales in this smaller market.
What special considerations should I know about when getting a mortgage for an older home in Girard?
Many Girard homes were built before 1950, so lenders often require thorough inspections focusing on foundation, electrical systems, and plumbing. You may need to budget for additional repair escrows or consider renovation loans like the FHA 203(k). Local appraisers are familiar with valuing historic properties common in Crawford County.
Are there local property tax considerations that affect mortgage payments in Girard?
Yes, Crawford County property taxes typically range from 1.2% to 1.5% of assessed value, which directly impacts your monthly mortgage payment when escrowed. Girard's mill levy is competitive within the region, but it's important to factor this into your budget. Your lender can provide exact tax estimates during pre-approval.
Why Choose a Mortgage Lender in Girard?
Local Market Knowledge
Lenders who understand Girard'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 Girard and get competitive rates on your home loan.