The Best Mortgage Lenders in Horton, KS
Compare verified mortgage lenders serving Horton, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Horton
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender known for its competitive rates, exceptional customer service, and extensive loan options. With a strong regional presence in Kansas, they specialize in serving rural areas like Horton, offering personalized guidance and efficient processing. Their high ratings reflect reliability and customer satisfaction, making them a preferred choice for homebuyers in the area.
Loan Types:
New American Funding
New American Funding
New American Funding is highly regarded for its diverse loan programs and commitment to inclusivity, including special options for first-time homebuyers and underserved communities. They provide reliable service to Horton residents, with a focus on competitive rates and transparent processes. Their strong customer feedback and local expertise ensure a smooth mortgage experience.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate combines digital efficiency with local support, offering competitive mortgage rates and a streamlined application process. They are praised for their transparency, quick closings, and extensive loan options, serving Horton and surrounding areas with dedicated expertise. Their high ratings and years of experience make them a trusted lender for Kansas homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Horton, KS
What are the current average mortgage rates for homebuyers in Horton, KS?
Mortgage rates in Horton typically align with national averages but can be slightly lower due to the area's rural designation and lower cost of living. As of recent data, 30-year fixed rates often range between 6.5% and 7%, but consulting with local lenders like Community National Bank or Exchange National Bank can provide the most accurate, personalized rates.
Are there any first-time homebuyer programs specifically available in Horton?
Yes, Horton homebuyers can access Kansas Housing Resources Corporation's "First Time Homebuyer Program," which offers competitive interest rates and down payment assistance. Additionally, some local lenders may offer special programs for Horton residents, particularly those with moderate incomes, to encourage homeownership in the community.
How does Horton's rural location affect mortgage lending requirements?
Horton's rural designation makes some buyers eligible for USDA loans, which require no down payment and offer competitive rates. However, lenders may have stricter requirements for property appraisals due to the limited number of comparable home sales in the area, so working with an appraiser familiar with Brown County is essential.
What should I know about property taxes when getting a mortgage in Horton?
Brown County property taxes in Horton are relatively affordable compared to urban areas, typically ranging from 1.1% to 1.4% of assessed value. Your mortgage lender will factor these taxes into your monthly escrow payments, and it's wise to review recent tax assessments on any property you're considering to budget accurately.
Are there local down payment assistance programs for Horton homebuyers?
While Horton itself doesn't offer city-specific programs, Brown County occasionally has grants for low-to-moderate income buyers, and Kansas Housing's "Assist" program provides down payment assistance statewide. Local credit unions and banks sometimes offer special grants or low-interest loans for Horton residents, so it's worth inquiring directly.
Why Choose a Mortgage Lender in Horton?
Local Market Knowledge
Lenders who understand Horton'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 Horton and get competitive rates on your home loan.