The Best Mortgage Lenders in Lansing, KS
Compare verified mortgage lenders serving Lansing, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Lansing
Featured Mortgage Lenders
Cornerstone Home Lending
Cornerstone Home Lending, Inc.
Cornerstone Home Lending has established itself as one of the top mortgage providers in the Kansas City metropolitan area, serving Lansing residents with exceptional expertise. With over three decades of experience, they specialize in all major loan programs and are particularly noted for their VA loan expertise, which is highly valuable given Lansing's proximity to Fort Leavenworth. Their team provides personalized service with competitive rates and has maintained consistently high customer satisfaction ratings across multiple review platforms.
Loan Types:
CommunityAmerica Credit Union
CommunityAmerica Credit Union
As one of Kansas's largest credit unions, CommunityAmerica has deep roots in the region and serves the entire Kansas City metro area including Lansing. With member-focused lending approaches and competitive rates typically better than traditional banks, they offer comprehensive mortgage solutions. Their first-time homebuyer programs are particularly strong, and they provide educational resources to help borrowers make informed decisions. The credit union's longstanding community presence and high customer satisfaction make them a trusted choice for Lansing homebuyers.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage consistently ranks among the top mortgage lenders nationally and maintains a strong presence throughout Kansas, including dedicated service to Lansing. Known for their efficient processing and competitive pricing, they excel in both purchase and refinance transactions. Their local Kansas team has extensive experience with the area's housing market and provides personalized guidance through the entire mortgage process. High ratings across multiple review platforms reflect their commitment to customer satisfaction and reliable service.
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Frequently Asked Questions
Common questions about mortgage lending in Lansing, KS
What are the current mortgage rates like for homebuyers in Lansing, KS?
Mortgage rates in Lansing typically align with national averages but can be slightly lower due to Kansas' competitive lending market. As of recent trends, conventional 30-year fixed rates in the Lansing area often range between 6.0-6.5%, though this varies by lender and borrower qualifications. Local credit unions like Sunflower Bank often offer competitive rates specifically for Lansing residents.
Are there any first-time homebuyer programs specifically available in Lansing, KS?
Yes, Lansing homebuyers can access Kansas Housing Resources Corporation's "First Time Homebuyer" program which offers competitive interest rates and down payment assistance. Additionally, the City of Lansing occasionally partners with local lenders to provide special financing options for teachers, firefighters, and other essential workers purchasing homes within city limits.
How does being near Fort Leavenworth affect mortgage lending in Lansing?
Lansing's proximity to Fort Leavenworth makes VA loans particularly popular, with many local lenders experienced in military lending. Several Lansing lenders offer specialized VA loan programs with flexible credit requirements and no down payment options. The steady military presence also contributes to stable property values, which lenders view favorably when underwriting mortgages.
What unique closing costs should I expect when getting a mortgage in Lansing?
Beyond standard closing costs, Lansing homebuyers should budget for Kansas-specific fees including a mortgage registration tax (typically $0.26 per $100 of loan amount) and state-required title insurance premiums. Leavenworth County also charges transfer taxes and recording fees that add approximately 0.5-1% to your total closing costs compared to national averages.
How do Lansing's property taxes impact mortgage qualification and payments?
Leavenworth County property taxes in Lansing average about 1.4-1.6% of assessed value, which lenders factor heavily into debt-to-income ratios. For a $300,000 home, expect annual taxes of $4,200-$4,800, adding $350-$400 to your monthly mortgage payment. Many Lansing lenders recommend budgeting for slightly higher escrow payments due to the area's stable but above-average tax rates.
Why Choose a Mortgage Lender in Lansing?
Local Market Knowledge
Lenders who understand Lansing'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 Lansing and get competitive rates on your home loan.