The Best Mortgage Lenders in Hesston, KS
Compare verified mortgage lenders serving Hesston, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hesston
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service, competitive rates, and extensive loan options. With a strong presence in Kansas, including service to Hesston, they excel in personalized mortgage solutions, quick processing, and high customer satisfaction. Their long-standing reputation and numerous positive reviews make them a reliable choice for homebuyers in the area.
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NBKC Bank
NBKC Bank
NBKC Bank is a highly regarded mortgage lender offering transparent, competitive rates and efficient online services. Serving Hesston and throughout Kansas, they are praised for their simplicity, low fees, and excellent customer support. With decades of experience and a focus on innovation, NBKC provides a seamless mortgage process, making them a popular choice for both first-time and experienced homebuyers.
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Movement Mortgage
Movement Mortgage
Movement Mortgage is a reputable lender with a strong local presence in Wichita, serving Hesston and surrounding areas. They are known for their community involvement, fast loan approvals, and a wide range of mortgage products. Their commitment to customer service and competitive rates has earned them high ratings and trust among Kansas homebuyers, ensuring a smooth and reliable home financing experience.
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Frequently Asked Questions
Common questions about mortgage lending in Hesston, KS
What are current mortgage rates like in Hesston, KS compared to national averages?
Hesston mortgage rates typically align closely with national averages, but local lenders may offer competitive rates due to the community's stable economy and lower risk profile. As of late 2023, rates in the 6-7% range were common for 30-year fixed mortgages. Working with local Hesston banks or credit unions can sometimes yield slightly better terms than national lenders.
Are there any first-time homebuyer programs specific to Hesston that can help with down payments?
Yes, the Kansas Housing Resources Corporation offers several statewide programs that Hesston residents can access, including the First Time Homebuyer Program and down payment assistance. Additionally, local lenders like Emprise Bank and Citizens State Bank often have special first-time buyer programs with reduced fees or flexible credit requirements tailored to Hesston's market.
How does Hesston's stable manufacturing economy affect mortgage lending and approval?
Hesston's strong manufacturing base with employers like AGCO provides stable employment that lenders view favorably during mortgage underwriting. This economic stability often results in more flexible lending criteria and potentially better approval rates for local residents with steady employment history at these major employers.
What should I know about property taxes and insurance when calculating my mortgage payment in Hesston?
Hesston property taxes in Harvey County are relatively moderate compared to larger Kansas cities, typically around 1.2-1.4% of assessed value. Homeowners insurance costs are generally affordable due to Hesston's low crime rates and good emergency services, but you should factor in additional coverage for severe weather common in central Kansas.
Are USDA loans a good option for homebuyers in Hesston given its location?
Yes, USDA loans are an excellent option in Hesston as the entire area qualifies for USDA rural housing programs. These loans offer 100% financing with no down payment, which is particularly beneficial given Hesston's rural designation despite its proximity to larger communities like Newton and Hutchinson.
Why Choose a Mortgage Lender in Hesston?
Local Market Knowledge
Lenders who understand Hesston'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 Hesston and get competitive rates on your home loan.