The Best Mortgage Lenders in Maple City, KS
Compare verified mortgage lenders serving Maple City, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Maple City
Featured Mortgage Lenders
Sunflower State Bank Mortgage Team
Sunflower State Bank
Sunflower State Bank has been serving Kansas communities for over 35 years with deep roots in rural and small-town markets. They offer personalized mortgage services with local underwriting and decision-making, providing competitive rates and flexible terms. Their experienced mortgage team understands the unique needs of Kansas homebuyers and offers specialized construction and agricultural property financing. With multiple branches across northwest Kansas, they maintain strong community relationships and provide exceptional customer service with the stability of a well-established regional financial institution.
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CommunityAmerica Mortgage Services
CommunityAmerica Credit Union
As one of Kansas City's largest credit unions, CommunityAmerica serves members throughout Kansas including the Maple City area. They offer highly competitive mortgage rates with low closing costs and exceptional member service. Their digital mortgage application process streamlines the experience while maintaining personal guidance from local mortgage experts. The credit union provides special first-time homebuyer programs, down payment assistance options, and has a reputation for smooth closings and responsive communication throughout the loan process.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has a strong presence throughout Kansas with multiple local offices and loan officers serving the Maple City region. They consistently receive top ratings for customer satisfaction and offer some of the most competitive rates in the market. Their extensive product portfolio includes specialized programs for various borrower situations, and they're known for exceptional communication and closing efficiency. With advanced technology platforms and experienced local loan officers, they provide comprehensive mortgage solutions while maintaining the personal service of a local lender.
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Frequently Asked Questions
Common questions about mortgage lending in Maple City, KS
What are the current average mortgage rates for homebuyers in Maple City, KS?
Mortgage rates in Maple City typically align with national averages but can vary slightly based on local lenders. As of recent data, 30-year fixed rates in the area generally range from 6.5% to 7%, while 15-year fixed rates are around 5.75% to 6.25%. It's best to check with local Maple City banks and credit unions for the most current rates and any special promotions.
Are there any first-time homebuyer programs specifically available in Maple City?
Yes, Maple City homebuyers may qualify for Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab & Repair programs. Additionally, some local lenders offer down payment assistance programs specifically for Maple City residents. These programs often feature lower interest rates and down payment requirements as low as 3%.
How does Maple City's property tax rate affect my mortgage payments?
Maple City, located in Montgomery County, has a property tax rate that typically ranges from 1.4% to 1.7% of assessed value. This means for a $150,000 home, you can expect annual property taxes between $2,100 and $2,550, which will be included in your monthly mortgage escrow payment. The exact rate depends on specific school district and municipal boundaries within Maple City.
What types of homes typically qualify for USDA loans in the Maple City area?
Most of Maple City qualifies for USDA rural development loans due to its population size and location. These zero-down-payment loans are available for single-family homes that meet USDA property standards in designated rural areas. Many neighborhoods in and around Maple City are eligible, making this an attractive option for qualified buyers with moderate incomes.
How competitive is the Maple City housing market for mortgage approval?
Maple City's housing market is moderately competitive with median home prices around $120,000-$150,000. Mortgage approval is generally accessible with credit scores of 620+ for conventional loans, though some local lenders may offer more flexible terms. The market moves at a steady pace, giving buyers reasonable time to secure financing without the extreme competition seen in larger Kansas cities.
Nearby Cities
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Why Choose a Mortgage Lender in Maple City?
Local Market Knowledge
Lenders who understand Maple City'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 Maple City and get competitive rates on your home loan.