The Best Mortgage Lenders in Havana, KS
Compare verified mortgage lenders serving Havana, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Havana
Featured Mortgage Lenders
Mortgage Services
Meritrust Credit Union
Meritrust Credit Union stands out as one of Kansas' top-rated mortgage lenders with exceptional customer satisfaction ratings. Serving rural communities across Kansas including Havana, they offer specialized USDA loans perfect for rural homebuyers. Their mortgage team provides personalized service with competitive rates and local underwriting decisions. With deep roots in Kansas communities since 1935, they understand the unique needs of rural homebuyers and offer comprehensive mortgage solutions with outstanding member service.
Loan Types:
Mortgage Department
Fidelity Bank
Fidelity Bank has been serving Kansas communities for over a century with reliable mortgage lending services. They maintain strong relationships with rural Kansas communities and offer specialized loan programs for rural properties. Their mortgage team provides local decision-making and personalized guidance throughout the homebuying process. Known for competitive rates and flexible terms, Fidelity Bank has consistently high customer satisfaction ratings and deep understanding of Kansas real estate markets.
Loan Types:
Mortgage Division
Guild Mortgage
Guild Mortgage operates a dedicated branch in Great Bend, Kansas, serving rural communities throughout central Kansas including Havana. They specialize in rural lending with extensive USDA loan experience and offer a wide range of mortgage products. As a nationwide lender with strong local presence, they combine the resources of a large mortgage company with personalized local service. Their team has deep expertise in rural Kansas real estate and provides comprehensive guidance from application to closing with competitive rates and flexible terms.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Havana, KS
What are current mortgage rates like for homebuyers in Havana, KS?
Mortgage rates in Havana typically align with national averages but can be slightly lower due to the rural nature of the area. As of recent data, 30-year fixed rates in Sumner County generally range from 6.5% to 7.25%, though individual rates depend on credit score and loan type. Local lenders often offer competitive rates for this stable agricultural community.
Are there any special loan programs available for first-time homebuyers in Havana?
Yes, Havana homebuyers can access the Kansas Housing Resources Corporation's First Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, USDA loans are particularly relevant for Havana since the entire area qualifies for USDA rural development loans, requiring no down payment for eligible borrowers.
How does Havana's rural location affect the mortgage approval process?
Havana's rural classification can streamline USDA loan approvals but may require additional property verification steps. Lenders often conduct more thorough property inspections due to the older housing stock common in this area. Appraisals might take slightly longer as appraisers may need to travel from larger nearby cities like Wichita.
What unique closing costs should I expect when buying a home in Havana, KS?
Beyond standard closing costs, Havana homebuyers should budget for specific rural considerations like well and septic inspections, which typically cost $400-$600 combined. Title insurance might be slightly higher due to the smaller local market, and you may encounter additional fees for agricultural land verification if the property includes any acreage.
How long does the mortgage process typically take in Havana's real estate market?
The mortgage process in Havana generally takes 30-45 days, similar to national timelines. However, the limited number of local appraisers serving Sumner County can occasionally cause minor delays. Working with lenders experienced in rural Kansas properties can help streamline the process and anticipate local requirements.
Why Choose a Mortgage Lender in Havana?
Local Market Knowledge
Lenders who understand Havana'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 Havana and get competitive rates on your home loan.