The Best Mortgage Lenders in Greensburg, KS
Compare verified mortgage lenders serving Greensburg, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Greensburg
Featured Mortgage Lenders
First National Bank of Greensburg
First National Bank of Greensburg
As the only locally-owned bank in Greensburg, First National Bank has been a cornerstone of the community for over a century, offering highly personalized mortgage services. They are renowned for their competitive rates, deep understanding of local real estate markets, and exceptional customer service, with numerous positive reviews highlighting their reliability and community commitment. Despite being founded earlier than the typical range, their long-standing presence and high ratings make them a top choice for Greensburg residents.
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Emprise Bank
Emprise Bank
Emprise Bank is a well-established regional bank with a strong presence in western Kansas, serving Greensburg through its nearby Dodge City branch. With over a century of experience, they offer a wide range of mortgage products and are praised for their competitive rates, knowledgeable staff, and community-focused approach. Their high customer satisfaction ratings and extensive review history demonstrate their reliability and dedication to serving rural Kansas communities.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with a strong local office in Wichita that actively serves Greensburg and surrounding areas. Founded in 1996, they combine decades of experience with innovative technology to offer competitive rates and streamlined processes. They are highly rated for their exceptional customer service, fast closings, and expertise in various loan types, making them a popular choice for Kansas homebuyers seeking a reliable and efficient mortgage experience.
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Frequently Asked Questions
Common questions about mortgage lending in Greensburg, KS
Are there any special mortgage considerations for buying a home in Greensburg, KS, given its history with natural disasters?
Yes, Greensburg's rebuild after the 2007 tornado means many homes are newer and built to higher standards, which can be favorable for insurance and appraisal. However, you'll want to ensure proper windstorm insurance coverage, and some lenders may require specific inspections. The city's improved infrastructure and energy-efficient homes can also provide long-term savings that offset mortgage costs.
What first-time homebuyer programs are specifically available in Greensburg, KS?
Greensburg homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab & Repair Program, which offer competitive interest rates and down payment assistance. Additionally, local lenders may offer special programs for essential workers or those contributing to Greensburg's sustainable community initiatives. These programs are particularly valuable given Greensburg's affordable housing market.
How do mortgage rates in Greensburg compare to larger Kansas cities?
Mortgage rates in Greensburg are typically very competitive with state averages, often slightly lower than in metropolitan areas due to lower lending risk in stable markets. However, rates can vary between local institutions like Equity Bank and national lenders, so comparing options is wise. Greensburg's steady housing market and lower cost of living generally make qualifying for favorable rates easier.
What should I know about property taxes when calculating my mortgage payment in Greensburg?
Kiowa County property taxes in Greensburg are relatively moderate compared to urban areas, currently around 1.2-1.5% of assessed value. Your mortgage lender will include these in your monthly escrow payment, and first-time buyers should note that Kansas offers property tax relief programs for qualifying homeowners. The stable tax base supports Greensburg's excellent public services and infrastructure.
Are there special financing options for energy-efficient homes in Greensburg's green community?
Absolutely. Given Greensburg's commitment to sustainability, many local lenders offer favorable terms for ENERGY STAR certified homes and green building projects. You may qualify for energy-efficient mortgages (EEMs) that allow higher debt-to-income ratios when purchasing homes meeting specific efficiency standards. Several homes built post-tornado qualify for these programs, providing long-term utility savings that offset mortgage costs.
Why Choose a Mortgage Lender in Greensburg?
Local Market Knowledge
Lenders who understand Greensburg'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 Greensburg and get competitive rates on your home loan.