The Best Mortgage Lenders in Hunter, KS
Compare verified mortgage lenders serving Hunter, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hunter
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 and competitive rates. With over 27 years in business, they have a strong presence in Kansas and serve Hunter through their Overland Park office. They are highly regarded for their fast processing times, personalized service, and wide range of loan options, making them a preferred choice for homebuyers in rural and urban areas alike. Their high ratings reflect consistent customer satisfaction and reliability.
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Guaranteed Rate
Guaranteed Rate
Guaranteed Rate is a nationally recognized mortgage lender with a strong local presence in Kansas, serving Hunter and surrounding areas. Founded in 2000, they offer a digital-friendly experience combined with local expertise, ensuring competitive rates and efficient loan processing. Their high customer ratings stem from transparency, a wide array of loan products, and dedicated support, making them a trusted option for both first-time and experienced homebuyers in the region.
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New American Funding
New American Funding
New American Funding is a highly rated mortgage lender with over 20 years of experience, known for its commitment to diversity and community involvement. They serve Hunter, KS, through their Overland Park office, offering flexible loan options and competitive rates. Their reputation is built on excellent customer service, innovative technology, and a focus on helping borrowers with unique financial situations, resulting in high satisfaction ratings and a strong track record in the Kansas market.
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Frequently Asked Questions
Common questions about mortgage lending in Hunter, KS
What are the current average mortgage rates for homebuyers in Hunter, KS?
Mortgage rates in Hunter typically align with national averages but can be slightly lower due to the rural nature of the area and lower competition among lenders. As of late 2023, 30-year fixed rates in Rice County generally range between 6.5-7%, but it's best to check with local lenders like Central National Bank or Community Bank for the most current Hunter-specific rates.
Are there any first-time homebuyer programs specifically available in Hunter?
Yes, Hunter homebuyers can access the Kansas Housing Resources Corporation's First Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, the USDA Rural Development Loan is particularly relevant for Hunter properties since the entire area qualifies for this zero-down-payment program.
How does Hunter's rural location affect the mortgage approval process?
Hunter's rural classification can work to your advantage through USDA loans, but may require additional property verification steps. Lenders often conduct more thorough inspections for well and septic systems since many Hunter properties aren't connected to municipal utilities, which can slightly extend the closing timeline.
What types of properties are most common in Hunter's mortgage market?
Hunter's mortgage market primarily consists of single-family homes on larger lots, many with agricultural outbuildings, and some manufactured homes on permanent foundations. Lenders in this area are experienced with rural property types, but may have specific requirements for older farmhouses or properties with acreage.
Are property taxes in Hunter typically included in mortgage escrow accounts?
Yes, most Hunter mortgages include property taxes in escrow accounts, with Rice County property taxes generally ranging from 1.2% to 1.5% of assessed value. Given Hunter's modest home prices compared to urban areas, the tax portion of your mortgage payment is typically quite affordable, often $1,000-$2,000 annually for median-priced homes.
Why Choose a Mortgage Lender in Hunter?
Local Market Knowledge
Lenders who understand Hunter'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 Hunter and get competitive rates on your home loan.