The Best Mortgage Lenders in Jewell, KS
Compare verified mortgage lenders serving Jewell, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Jewell
Featured Mortgage Lenders
Peoples Heartland Credit Union
Peoples Heartland Credit Union
Peoples Heartland Credit Union is a highly-rated community financial institution serving north-central Kansas including Jewell County. With over 85 years of operation, they offer personalized mortgage services with competitive rates and local decision-making. Their mortgage team provides comprehensive guidance through the entire home loan process, specializing in first-time homebuyer programs and rural housing loans ideal for the Jewell area. Members consistently praise their exceptional customer service, transparent communication, and willingness to work with borrowers to find the perfect mortgage solution.
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United Bank & Trust
United Bank & Trust
United Bank & Trust is a well-established regional bank with deep roots in north-central Kansas, serving Jewell and surrounding communities for over a century. Their mortgage department offers a complete range of residential loan products with local underwriting and personalized service. The bank is particularly strong in agricultural and rural property financing, making them an excellent choice for Jewell County residents. Customers consistently highlight their knowledgeable loan officers, competitive rates, and the advantage of working with a lender that understands the local real estate market and community needs.
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Allied First Bank
Allied First Bank
Allied First Bank has built a strong reputation throughout north-central Kansas with multiple locations serving rural communities like Jewell. Their mortgage team provides comprehensive home financing solutions with the advantage of local decision-making and personalized service. They specialize in rural property loans and offer competitive rates on both purchase and refinance transactions. The bank receives consistent praise for their responsive communication, efficient processing, and commitment to helping borrowers navigate the mortgage process smoothly. Their expertise in Kansas rural markets makes them particularly well-suited for Jewell County homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Jewell, KS
What are the current average mortgage rates for homebuyers in Jewell, KS?
Mortgage rates in Jewell typically align with national averages but can vary based on local lender competition. Currently, 30-year fixed rates range between 6.5-7% in the area, though rural properties might see slightly higher rates. It's best to check with local lenders like Citizens State Bank or First Bank Kansas for the most accurate, personalized rates.
Are there any first-time homebuyer programs specifically available in Jewell County?
Yes, the Kansas Housing Resources Corporation (KHRC) offers statewide programs like First Time Homebuyer Program and Homeowner Rehab Program that are accessible to Jewell residents. These programs provide down payment assistance, competitive interest rates, and closing cost help. Local lenders can help you navigate these options alongside any county-specific incentives.
How does Jewell's rural location affect the mortgage approval process?
Jewell's rural setting means lenders may require additional property inspections and appraisals to ensure the home meets standards, which can slightly extend the closing timeline. Some lenders might also have stricter requirements for older or unique properties common in the area. Working with a local bank familiar with Jewell County's real estate can streamline this process.
What types of properties in Jewell might qualify for USDA rural housing loans?
Most properties in Jewell and Jewell County qualify for USDA loans due to the area's rural designation. This includes single-family homes, condos, and manufactured homes (if they meet specific criteria) located within eligible zones. USDA loans are popular here because they offer 100% financing, making homeownership more accessible with no down payment.
Are property taxes in Jewell, KS typically included in mortgage escrow accounts?
Yes, most lenders in Jewell County will set up an escrow account to include property taxes and homeowners insurance in your monthly mortgage payment. Jewell County has relatively low property tax rates compared to urban areas, which can make monthly payments more affordable. Your lender will calculate these amounts based on the specific property's assessed value.
Why Choose a Mortgage Lender in Jewell?
Local Market Knowledge
Lenders who understand Jewell'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 Jewell and get competitive rates on your home loan.