The Best Mortgage Lenders in Kingman, KS
Compare verified mortgage lenders serving Kingman, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kingman
Featured Mortgage Lenders
Brad Cusick
Fidelity Bank
Fidelity Bank is the primary local banking institution in Kingman with deep community roots spanning over a century. As the hometown bank, they offer personalized mortgage services with local decision-making and underwriting. Their mortgage team, led by experienced lenders like Brad Cusick, provides competitive rates and flexible terms tailored to rural Kansas communities. They specialize in agricultural and rural property financing while offering comprehensive residential mortgage solutions with exceptional local service and community commitment.
Loan Types:
Mortgage Department
Credit Union of America
Credit Union of America serves members throughout south-central Kansas, including Kingman residents, with highly competitive mortgage rates and exceptional member service. As a not-for-profit financial cooperative, they offer lower fees and more flexible underwriting than many traditional banks. Their mortgage team provides personalized guidance through the entire homebuying process, with special expertise in first-time homebuyer programs and government-backed loans. They consistently receive high marks for customer satisfaction and transparent lending practices.
Loan Types:
Home Loan Center
Emprise Bank
Emprise Bank is a regional community bank with strong presence throughout south-central Kansas, serving Kingman and surrounding communities. Their mortgage division offers comprehensive home financing solutions with local processing and underwriting expertise. They excel in rural property financing and construction loans, making them particularly well-suited for Kingman area residents. With over a century of community banking experience, they provide personalized service, competitive rates, and deep understanding of the local real estate market dynamics in rural Kansas communities.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Kingman, KS
What are the current average mortgage rates for homebuyers in Kingman, KS?
Mortgage rates in Kingman typically align with national averages but can vary based on local lender competition. Currently, 30-year fixed rates in the Kingman area range from 6.5% to 7.25%, though rates may be slightly lower for buyers with excellent credit. Local lenders like Kingman Credit Union and First Bank Kansas often offer competitive rates specifically for Kingman County residents.
Are there any first-time homebuyer programs specifically available in Kingman, KS?
Yes, Kingman homebuyers can access the Kansas Housing Resources Corporation's first-time homebuyer programs, which offer down payment assistance and competitive interest rates. Additionally, the Kingman County Housing Authority occasionally offers local assistance programs for income-qualified buyers. These programs are particularly valuable given Kingman's median home prices being below state averages.
How does Kingman's rural location affect mortgage lending and property requirements?
Kingman's rural classification means some properties may require USDA Rural Development loans, which offer 100% financing with no down payment. However, properties with well and septic systems typically require additional inspections that urban properties don't need. Local appraisers familiar with Kingman County's unique property types are essential for accurate valuations.
What unique closing costs should I expect when buying a home in Kingman, KS?
Kingman homebuyers should budget for typical Kansas closing costs plus some local specifics, including Kingman County recording fees and potential rural property survey costs. Title insurance rates are regulated by Kansas law, but you may encounter additional costs for water right verifications and agricultural land use disclosures that are common in this area.
How do agricultural influences in Kingman County affect mortgage options?
Kingman's strong agricultural presence means lenders often have experience with both residential and agricultural property financing. If you're purchasing property with acreage or agricultural potential, you may need specialized loan products. Local lenders understand the unique income verification needs for farm families and self-employed agricultural workers common in the area.
Why Choose a Mortgage Lender in Kingman?
Local Market Knowledge
Lenders who understand Kingman'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 Kingman and get competitive rates on your home loan.