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La Harpe, KS

The Best Mortgage Lenders in La Harpe, KS

Compare verified mortgage lenders serving La Harpe, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
372+
Reviews
9
Loan Types

Available Loan Programs in La Harpe

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Renovation

Featured Mortgage Lenders

1

Community National Bank & Trust

Community National Bank & Trust

★★★★☆
4.8/5

Community National Bank & Trust is a highly-rated regional bank with deep roots in southeast Kansas, serving rural communities including La Harpe. With over two decades of experience, they specialize in agricultural and rural property lending, offering personalized service and competitive rates. Their mortgage team has extensive knowledge of local property values and rural lending programs, making them an excellent choice for La Harpe residents seeking conventional, USDA, or construction loans with local decision-making and community-focused service.

Experience:25 years
Reviews:89 customer reviews
201 S National Ave, Fort Scott, KS 66701

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Cornerstone Mortgage

Cornerstone Mortgage Company

★★★★☆
4.7/5

Cornerstone Mortgage has built an outstanding reputation throughout southeast Kansas with their expert guidance through the mortgage process. They consistently receive high marks for their responsive communication and ability to navigate complex rural property transactions. Specializing in first-time homebuyer programs and government-backed loans, their team has particular expertise with USDA rural development loans that benefit La Harpe area borrowers. Their local processing and underwriting ensure smooth closings for rural properties.

Experience:18 years
Reviews:127 customer reviews
2701 N Broadway St, Pittsburg, KS 66762

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinance
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3

Guild Mortgage

Guild Mortgage Company

★★★★☆
4.6/5

Guild Mortgage's Pittsburg branch serves the La Harpe area with national lending power combined with local expertise. As a top-rated national mortgage lender with strong community presence, they offer competitive rates and a wide variety of loan products. Their experienced loan officers specialize in rural Kansas properties and understand the unique aspects of financing in smaller communities. Guild is particularly noted for their efficient processing and excellent customer service, with many positive reviews highlighting their ability to close loans quickly and professionally.

Experience:22 years
Reviews:156 customer reviews
117 West 4th Street, Pittsburg, KS 66762

Loan Types:

ConventionalFHAVAUSDAJumboRenovationRefinance
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Frequently Asked Questions

Common questions about mortgage lending in La Harpe, KS

What are the current average mortgage rates for homebuyers in La Harpe, KS?

Mortgage rates in La Harpe typically align with national averages but can vary based on local lenders. Currently, 30-year fixed rates range between 6.5-7% in the area. It's best to check with local institutions like Community National Bank for the most accurate, personalized rates.

Are there any first-time homebuyer programs specifically available in La Harpe?

While La Harpe itself doesn't offer city-specific programs, Kansas Housing Resources Corporation provides statewide assistance. Programs like First Time Homebuyer Program and Homeownership Set-Aside Program offer down payment assistance and competitive rates, accessible to La Harpe residents.

How does La Harpe's rural location affect the mortgage process?

La Harpe's rural status can impact property appraisal availability and may require USDA Rural Development loans, which are popular here. These loans offer 100% financing and are specifically designed for areas like La Harpe with populations under 35,000.

What types of properties are most common for mortgage financing in La Harpe?

Most mortgage financing in La Harpe involves single-family homes and agricultural properties. Given the area's rural character, you'll find many older homes and acreages, which may require specialized appraisals and potentially different lending criteria than urban properties.

Are property taxes in La Harpe typically included in mortgage escrow accounts?

Yes, most lenders in La Harpe include Allen County property taxes in escrow accounts. La Harpe's property tax rates are generally lower than state averages, currently around 1.2-1.4% of assessed value, which helps keep overall monthly mortgage payments more affordable.

Nearby Cities

Explore mortgage lenders in cities near La Harpe, KS

Why Choose a Mortgage Lender in La Harpe?

Local Market Knowledge

Lenders who understand La Harpe'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 La Harpe and get competitive rates on your home loan.