The Best Mortgage Lenders in Great Bend, KS
Compare verified mortgage lenders serving Great Bend, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Great Bend
Featured Mortgage Lenders
Sunflower Bank Mortgage Team
Sunflower Bank, N.A.
Sunflower Bank has been serving Great Bend and central Kansas communities for over 130 years, making them one of the most established and trusted local mortgage lenders. Their Great Bend branch offers personalized service with deep local market knowledge. They consistently receive high marks for their competitive rates, streamlined application process, and exceptional customer service. As a community-focused bank, they understand the specific needs of Great Bend residents and offer a comprehensive range of mortgage products with local underwriting and decision-making.
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Meritrust Mortgage Services
Meritrust Credit Union
While based in Wichita, Meritrust Credit Union serves members throughout Kansas, including Great Bend, and is highly regarded for their competitive mortgage rates and exceptional member service. They offer personalized mortgage guidance with a focus on first-time homebuyers and have received numerous awards for their mortgage lending programs. Their digital mortgage application process is user-friendly, and they provide local support throughout the entire homebuying journey. Members consistently praise their transparency, competitive rates, and dedicated loan officers.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corp
Fairway Independent Mortgage has a strong local presence in Great Bend with a team that understands the central Kansas housing market intimately. They are consistently rated among the top mortgage lenders nationally and locally for their exceptional customer service and competitive loan options. Their Great Bend office provides personalized attention with the backing of a national lender's resources and technology. They excel at navigating complex loan scenarios and are particularly praised for their communication throughout the mortgage process and ability to close loans quickly.
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Frequently Asked Questions
Common questions about mortgage lending in Great Bend, KS
What are the current average mortgage rates in Great Bend, KS, and how do they compare to the national average?
Mortgage rates in Great Bend typically align closely with national averages, but local lenders may offer competitive rates due to the community-focused banking environment. As of recent trends, rates in Great Bend are often slightly lower than in larger Kansas cities, making it an attractive market for buyers. It's advisable to compare offers from local institutions like Great Bend Federal Savings & Loan or Sunflower Bank for the best deals.
Are there any first-time homebuyer programs specific to Great Bend that can help with down payments or closing costs?
Yes, the Kansas Housing Resources Corporation (KHRC) offers programs like First Time Homebuyer Program and Homeowner Rehab & Purchase Program, which are accessible to Great Bend residents. Additionally, some local lenders may provide down payment assistance or grants tailored to the Barton County area. These programs can significantly reduce upfront costs for eligible buyers in Great Bend's affordable housing market.
How does Great Bend's stable but slow-growing real estate market affect mortgage lending and appraisals?
Great Bend's steady market means appraisals often come in close to listing prices, reducing the risk of financing issues. Lenders in the area are familiar with the consistent property values, which can streamline the approval process. However, buyers should still ensure their chosen lender has local experience to accurately assess home values in neighborhoods like Northeast Great Bend or the Country Club area.
What types of properties in Great Bend might qualify for USDA rural housing loans, and are there income limits?
Most of Great Bend and surrounding Barton County qualify for USDA loans, which offer 100% financing for eligible rural areas. Income limits apply based on household size and are set relative to the area's median income. This program is ideal for buyers looking at homes on the outskirts of town or in nearby unincorporated areas, making homeownership more accessible with no down payment.
How do property taxes in Barton County impact monthly mortgage payments and affordability in Great Bend?
Barton County property taxes are relatively moderate compared to urban Kansas areas, which helps keep monthly mortgage payments affordable. The average effective property tax rate in the county is around 1.3%, which lenders factor into your debt-to-income ratio. When budgeting, consider that taxes on a $150,000 home in Great Bend might add roughly $150-$200 to your monthly escrow payment.
Nearby Cities
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Why Choose a Mortgage Lender in Great Bend?
Local Market Knowledge
Lenders who understand Great Bend'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 Great Bend and get competitive rates on your home loan.