The Best Mortgage Lenders in Ogden, KS
Compare verified mortgage lenders serving Ogden, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Ogden
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a highly reputable lender with over two decades of experience, known for its exceptional customer service and competitive rates. They have a strong local presence in the Manhattan area, directly serving Ogden residents with a wide range of loan options. Their high ratings and numerous positive reviews highlight their reliability and commitment to client satisfaction, making them a top choice for mortgages in the region.
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New American Funding
New American Funding, LLC
New American Funding is a top-rated mortgage lender recognized for its diverse loan programs and excellent customer service. With over 20 years in business, they serve clients across Kansas, including Ogden, and are praised for their competitive rates and efficient processing. Their strong review base and commitment to community involvement make them a trusted option for homebuyers in the area.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a well-established lender known for its fast closings and personalized service. Founded in 2008, they have built a strong reputation in the Kansas region, including Ogden, by focusing on client needs and offering flexible loan solutions. Their high customer satisfaction ratings and local community support ensure a reliable and efficient mortgage experience.
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Frequently Asked Questions
Common questions about mortgage lending in Ogden, KS
What are current mortgage rates like for homes in Ogden, KS?
Mortgage rates in Ogden typically align with national averages but can be slightly lower due to the area's rural designation and lower cost of living. As of recent trends, 30-year fixed rates often range in the mid-6% to low-7% area, but consulting with a local lender who understands the Ogden market is essential for the most accurate, personalized rate quote.
Are there any first-time homebuyer programs specific to Ogden?
Yes, the Kansas Housing Resources Corporation (KHRC) offers programs like "First Time Homebuyer" and "Homeowner Rehab & Repair" that are accessible to Ogden residents. These can provide competitive interest rates, down payment assistance, and closing cost help, which is particularly valuable in Ogden's affordable housing market to minimize upfront costs.
How does Ogden's proximity to Fort Riley impact the mortgage process?
Ogden's location near Fort Riley means many buyers use VA loans. Local lenders are very experienced with VA financing, which offers no down payment and favorable terms for eligible military personnel, veterans, and their families. This can be a significant advantage in the local market, where a large portion of transactions are VA-backed.
What should I know about property taxes when getting a mortgage in Ogden?
Property taxes in Riley County, which includes Ogden, are a key component of your monthly mortgage payment. The effective tax rate is moderately high for Kansas, often around 1.4% to 1.6% of the assessed value. Your lender will factor this into your debt-to-income ratio, so it's important to get an accurate estimate early in the process.
Are USDA loans a good option for buying a home in Ogden, KS?
Absolutely. Ogden is classified as a rural area by the USDA, making it eligible for USDA Single-Family Housing Guaranteed Loans. This is a popular option as it requires no down payment and often features competitive interest rates, making homeownership very accessible for low-to-moderate income buyers in the Ogden community.
Nearby Cities
Explore mortgage lenders in cities near Ogden, KS
Why Choose a Mortgage Lender in Ogden?
Local Market Knowledge
Lenders who understand Ogden'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 Ogden and get competitive rates on your home loan.