The Best Mortgage Lenders in Overland Park, KS
Compare verified mortgage lenders serving Overland Park, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Overland Park
Featured Mortgage Lenders
Matt Durbin
Johnson County Mortgage
Johnson County Mortgage is a locally owned and operated direct mortgage lender with deep roots in the Overland Park community. They maintain a perfect 5.0 rating across multiple review platforms due to their personalized service, competitive rates, and extensive local market knowledge. As a direct lender, they control the entire lending process in-house, allowing for faster closings and more flexible underwriting. Their team of experienced loan officers specializes in both purchase and refinance transactions with particular expertise in Johnson County's competitive real estate market.
Loan Types:
Mortgage Services Department
Commerce Bank
Commerce Bank has been serving the Kansas City metropolitan area since 1865 and maintains a strong physical presence in Overland Park with multiple branches. Their mortgage division earns consistently high ratings for their reliable service, competitive rate offerings, and seamless integration with banking services. As an established regional bank, they offer portfolio lending options that larger national lenders cannot match, along with personalized service from local decision-makers. Their long-standing community commitment and financial stability make them a trusted choice for Overland Park homebuyers.
Loan Types:
Home Lending Team
NBKC Bank
NBKC Bank, headquartered in nearby Kansas City, consistently ranks among the top mortgage lenders serving the Overland Park area with exceptional customer satisfaction ratings. They are particularly noted for their competitive rates, efficient online application process, and transparency in lending. Despite being based across state lines, they actively serve the entire Kansas City metro area and have extensive experience with Kansas-specific lending requirements. Their hybrid approach combines digital convenience with personal service, making them a popular choice for tech-savvy homebuyers who still want local expertise and responsiveness.
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Frequently Asked Questions
Common questions about mortgage lending in Overland Park, KS
What are the current mortgage rates like in Overland Park, KS?
Mortgage rates in Overland Park are generally competitive with national averages but can be influenced by local market conditions. As of late 2023, rates for 30-year fixed mortgages typically range from 6.5% to 7.5%, though this varies by lender and borrower qualifications. It's wise to compare rates from multiple local lenders as some may offer special promotions for Johnson County homebuyers.
Are there any first-time homebuyer programs specific to Overland Park?
While there aren't city-specific first-time homebuyer programs, Overland Park residents can access several Kansas state programs. The Kansas Housing Resources Corporation offers programs like First Time Homebuyer Program and Homeownership Set-Aside Program, which provide down payment assistance and competitive rates. Many local lenders are well-versed in these programs and can help you navigate the options.
How does Overland Park's property tax rate affect my mortgage payments?
Overland Park has relatively high property tax rates compared to national averages, typically around 1.1% to 1.4% of assessed value. This means your monthly mortgage payment will include a significant escrow portion for taxes. When budgeting for your home purchase, factor in that property taxes on a $400,000 home could add $350-$450 to your monthly payment.
What special considerations should I know about getting a mortgage for Overland Park's newer construction homes?
Overland Park has many new construction developments, particularly in areas like Bluhawk and southern developments. For these homes, builders often have preferred lenders who may offer closing cost incentives, but it's still important to shop around. Be aware that construction timelines can affect your rate lock period, and you may need a construction-to-permanent loan if building custom.
How competitive is the mortgage pre-approval process in Overland Park's housing market?
Overland Park's desirable school districts and amenities create a competitive market where strong pre-approvals are essential. Many sellers expect pre-approval letters from local lenders who understand the Johnson County market. Having a pre-approval with verified funds and a quick closing timeline can give you an edge in multiple offer situations common in popular neighborhoods like Corinth and St. Andrews.
Nearby Cities
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Why Choose a Mortgage Lender in Overland Park?
Local Market Knowledge
Lenders who understand Overland Park'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 Overland Park and get competitive rates on your home loan.