The Best Mortgage Lenders in Greeley, KS
Compare verified mortgage lenders serving Greeley, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Greeley
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in Kansas, known for its competitive rates and excellent customer service. They offer a wide range of loan products and have a user-friendly digital platform that simplifies the mortgage process. With high ratings from multiple review sites and a reputation for reliability, they serve Greeley and surrounding areas efficiently, making them a preferred choice for homebuyers seeking convenience and expertise.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly regarded mortgage lender with a focus on diversity and community inclusion, offering personalized service and competitive loan options. They have a strong track record in Kansas, with local offices providing dedicated support for Greeley residents. Their high customer satisfaction ratings stem from transparent processes, flexible terms, and a commitment to helping borrowers achieve homeownership, backed by years of experience and positive reviews.
Loan Types:
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a premier lender known for its exceptional customer service and extensive loan options, with a robust presence in Kansas. They prioritize local relationships and offer competitive rates, making them a reliable choice for Greeley homebuyers. With decades of experience, they have built a reputation for integrity and efficiency, supported by numerous positive reviews and a commitment to guiding clients through every step of the mortgage process.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Greeley, KS
What are the current average mortgage rates in Greeley, KS, and how do they compare to state averages?
Mortgage rates in Greeley, KS, typically align closely with Kansas state averages, which are often slightly below national rates due to the rural market. As of recent data, 30-year fixed rates in the area generally range from 6.5% to 7%, but it's best to check with local lenders like those in Wichita or Garden City who serve Greeley for the most current offers. Local credit unions may also offer competitive rates for residents in this region.
Are there any first-time homebuyer programs specifically available for Greeley, KS, residents?
Yes, Greeley homebuyers can access statewide programs like the Kansas Housing Resources Corporation's "First Time Homebuyer Program," which offers down payment assistance and affordable fixed-rate mortgages. Additionally, some local lenders may partner with county-level initiatives; it's advisable to inquire about programs tailored to rural areas, which can include favorable terms for low-to-moderate income buyers in Greeley.
How does Greeley's rural location affect the mortgage approval process?
Greeley's rural setting can influence appraisals, as comparable home sales may be limited, potentially requiring appraisers to look at broader areas like surrounding counties. Lenders might also consider property types common in the area, such as agricultural or larger lots, which could affect loan eligibility. Working with a lender experienced in rural Kansas properties can help streamline this process.
What types of properties in Greeley are eligible for USDA loans, and how can I qualify?
USDA loans are ideal for Greeley due to its rural designation, covering most properties in the area as long as they meet USDA eligibility criteria. Borrowers must have a household income at or below the USDA limits for Greeley (adjusted for family size) and plan to use the home as their primary residence. These loans offer $0 down payment, making homeownership accessible for many in this community.
Are property taxes in Greeley, KS, typically included in mortgage escrow, and how do they impact affordability?
Yes, most lenders in Greeley will include property taxes in your monthly escrow payment, and rates in Greeley (part of Anderson County) are generally moderate compared to urban areas in Kansas. Current effective property tax rates are around 1.2% to 1.5% of assessed value, which can keep overall housing costs manageable. It's wise to factor this into your budget when determining how much home you can afford.
Why Choose a Mortgage Lender in Greeley?
Local Market Knowledge
Lenders who understand Greeley'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 Greeley and get competitive rates on your home loan.