The Best Mortgage Lenders in Hartford, KS
Compare verified mortgage lenders serving Hartford, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hartford
Featured Mortgage Lenders
LoanDepot
LoanDepot, LLC
LoanDepot is a highly-rated national mortgage lender known for its competitive rates and efficient online application process. With over a decade of experience, they serve Hartford and surrounding areas through their Overland Park branch, offering a wide range of loan options and personalized service. Their strong customer satisfaction scores and innovative technology make them a top choice for homebuyers in Kansas seeking reliable and fast mortgage solutions.
Loan Types:
New American Funding
New American Funding
New American Funding is a reputable mortgage lender with a strong presence in Kansas, including service to Hartford. Founded in 2003, they are praised for their exceptional customer service, diverse loan products, and efforts to support minority homeownership. Their Wichita branch provides local expertise with national resources, ensuring competitive rates and a smooth mortgage process, backed by hundreds of positive reviews highlighting their reliability and community focus.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage is a top-rated lender with a solid reputation for transparency and customer care. Serving Hartford and the broader Kansas area from their Overland Park office, they offer a comprehensive suite of mortgage products and are known for their competitive rates and experienced loan officers. With two decades in business, they have built trust through personalized service and a commitment to helping clients navigate the home buying process efficiently, as reflected in their high customer satisfaction ratings.
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Frequently Asked Questions
Common questions about mortgage lending in Hartford, KS
What are the current average mortgage rates for homebuyers in Hartford, KS?
Mortgage rates in Hartford typically align with national averages but can be slightly lower due to the rural nature of Dickinson County. As of recent data, 30-year fixed rates often range between 6.5% and 7%, but it's essential to check with local lenders like Community National Bank or Central National Bank for the most accurate, personalized rates based on your credit profile and loan type.
Are there any first-time homebuyer programs specifically available in Hartford?
Yes, Hartford homebuyers can access the Kansas Housing Resources Corporation's "First Time Homebuyer Program," which offers competitive interest rates and down payment assistance. Additionally, local lenders may have special programs for Hartford residents, particularly given the area's focus on supporting rural community development and affordable housing initiatives.
How does Hartford's rural location impact the mortgage appraisal process?
Hartford's rural setting means appraisals may take slightly longer and require appraisers familiar with Dickinson County's property values. Comparable sales can be limited, so lenders often work with appraisers who understand local land values, agricultural influences, and the unique characteristics of properties in and around Hartford to ensure accurate valuations.
What types of properties in Hartford might qualify for USDA rural housing loans?
Most properties in Hartford qualify for USDA loans due to its rural designation. This includes single-family homes, condos, and manufactured homes that meet USDA standards. These loans are popular in Hartford because they offer 100% financing with no down payment, making homeownership more accessible for low-to-moderate income buyers in the area.
How do property taxes in Dickinson County affect mortgage payments in Hartford?
Dickinson County property taxes are relatively moderate compared to urban areas, currently averaging around 1.2% of assessed value. Lenders will include these taxes in your monthly escrow payment, and Hartford homeowners should budget for this along with potential special assessments that can occur in smaller municipalities for infrastructure improvements.
Why Choose a Mortgage Lender in Hartford?
Local Market Knowledge
Lenders who understand Hartford'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 Hartford and get competitive rates on your home loan.