The Best Mortgage Lenders in Lamont, KS
Compare verified mortgage lenders serving Lamont, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Lamont
Featured Mortgage Lenders
Mortgage Solutions Team
Credit Union of America
Credit Union of America is a highly-rated regional financial institution serving communities across Kansas, including Lamont. With over 85 years of operation, they have established a strong reputation for personalized mortgage services and competitive rates. Their mortgage team specializes in rural and small community lending, making them an excellent choice for Lamont residents. They offer comprehensive guidance through the entire mortgage process with particular expertise in USDA loans that benefit rural homebuyers.
Loan Types:
Jason Brown
BlueStar Financing
BlueStar Financing is a top-rated mortgage broker based in Wichita that serves the entire state of Kansas, including Lamont. They have built an outstanding reputation for exceptional customer service and competitive mortgage rates. Specializing in first-time homebuyer programs and government-backed loans, they are particularly skilled at navigating rural property financing. Their team provides personalized attention throughout the loan process and has extensive experience with Kansas rural property requirements.
Loan Types:
Ryan Kelley
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with a strong local presence in Kansas through their Wichita branch. With over 25 years in business, they have consistently high customer satisfaction ratings and offer competitive mortgage products. Their local team has extensive experience serving rural Kansas communities like Lamont and specializes in USDA rural development loans. They provide comprehensive digital mortgage services while maintaining personalized local support throughout the financing process.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Lamont, KS
What are the current mortgage rates like for homes in Lamont, KS?
Mortgage rates in Lamont typically align with national averages but can be slightly lower due to the area's rural designation. As of 2024, you can expect 30-year fixed rates around 6.5-7% for qualified buyers. Local lenders familiar with Greenwood County often offer competitive rates that account for Lamont's stable but modest housing market.
Are there any special loan programs for first-time homebuyers in Lamont?
Yes, Lamont homebuyers may qualify for Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab Program. These programs offer competitive interest rates, down payment assistance, and closing cost help specifically for Kansas residents. Additionally, USDA loans are popular in Lamont since the area qualifies for rural development loans with zero down payment options.
How does Lamont's rural location affect the mortgage process?
Lamont's rural status actually provides advantages through USDA Rural Development loans, which require no down payment for eligible borrowers. However, you may encounter fewer local lender options, making it important to work with lenders experienced in rural Kansas properties. Appraisals might take slightly longer as appraisers may need to travel from larger nearby cities like Emporia or Wichita.
What should I know about property taxes when getting a mortgage in Lamont?
Greenwood County property taxes in Lamont are relatively affordable compared to urban Kansas areas, typically ranging from 1.1% to 1.4% of assessed value. Your mortgage lender will factor these taxes into your monthly payment through an escrow account. It's worth noting that agricultural land values can influence tax rates, but residential properties remain reasonably taxed.
Are there any local down payment assistance programs specific to Lamont homebuyers?
While Lamont itself doesn't offer city-specific programs, Greenwood County participates in statewide Kansas programs that Lamont residents can access. The Kansas Housing Down Payment Assistance program provides up to $5,000 in matching funds for qualified buyers. Additionally, some local lenders partner with state programs to offer special terms for buyers in rural communities like Lamont.
Why Choose a Mortgage Lender in Lamont?
Local Market Knowledge
Lenders who understand Lamont'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 Lamont and get competitive rates on your home loan.