The Best Mortgage Lenders in Hazelton, KS
Compare verified mortgage lenders serving Hazelton, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hazelton
Featured Mortgage Lenders
Central National Bank
Central National Bank
Central National Bank is a highly-rated regional bank with deep roots in rural Kansas communities. With over 135 years of service, they have extensive experience serving agricultural and small-town markets throughout the region. Their local loan officers understand the unique needs of Hazelton area residents and offer personalized service with competitive rates. They specialize in USDA rural development loans which are particularly relevant for Hazelton homebuyers, and their community-focused approach has earned them exceptional customer satisfaction ratings.
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Equity Bank
Equity Bank
Equity Bank has built a strong reputation across Kansas with multiple branches serving rural communities. They offer comprehensive mortgage solutions with particular expertise in rural property financing and construction loans. Their local presence in nearby Medicine Lodge ensures personalized service for Hazelton residents, and they're known for their responsive customer service and competitive rate offerings. Equity Bank's commitment to community banking and their understanding of rural Kansas real estate markets makes them an excellent choice for Hazelton area homebuyers.
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Fidelity State Bank and Trust Company
Fidelity State Bank and Trust Company
Fidelity State Bank has been serving western Kansas communities for over a century and maintains a strong presence throughout the region. They specialize in rural and agricultural lending with particular expertise in properties similar to those found in the Hazelton area. Their mortgage team offers personalized guidance through the entire loan process and provides competitive rates with various loan programs including USDA loans ideal for rural homebuyers. Their long-standing commitment to Kansas communities and extensive experience with rural properties makes them a trusted choice for Hazelton residents.
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Frequently Asked Questions
Common questions about mortgage lending in Hazelton, KS
What are current mortgage rates like in Hazelton, KS compared to the national average?
Mortgage rates in Hazelton typically align with national averages but can be slightly lower due to the area's rural designation and lower cost of living. Local lenders often offer competitive rates for this stable housing market. It's best to compare offers from both local banks and national lenders serving Stafford County.
Are there any first-time homebuyer programs specific to Hazelton or Stafford County?
Yes, the Kansas Housing Resources Corporation offers several statewide programs that Hazelton residents can access, including first-time homebuyer grants and down payment assistance. Additionally, local Stafford County lenders may offer special programs for teachers, healthcare workers, or agricultural employees in this rural community.
How does Hazelton's rural location affect the mortgage approval process?
Hazelton's rural status can impact appraisals since comparable home sales may be limited in this small community. Lenders may require appraisers with specific rural market expertise. USDA loans are particularly popular here since Hazelton qualifies for USDA rural development programs with zero down payment options.
What types of properties typically require special mortgage consideration in Hazelton?
Properties with acreage, older farmhouses, or homes with wells and septic systems are common in Hazelton and may require additional inspections or documentation. Lenders may have specific requirements for properties with outbuildings or agricultural land, so discuss these details early in the pre-approval process.
How long does the mortgage process typically take with local Hazelton lenders?
The mortgage process in Hazelton generally takes 30-45 days with local lenders who understand the area's market dynamics. Working with local Stafford County banks can sometimes streamline the process since they're familiar with local property records and may have more flexible underwriting for unique rural properties.
Why Choose a Mortgage Lender in Hazelton?
Local Market Knowledge
Lenders who understand Hazelton'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 Hazelton and get competitive rates on your home loan.