The Best Mortgage Lenders in Perry, KS
Compare verified mortgage lenders serving Perry, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Perry
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a highly reputable lender with over 28 years of experience, known for its exceptional customer service and competitive mortgage rates. They have a strong regional presence in Kansas, including service to Perry, and are praised for their wide range of loan options, efficient processing, and community involvement. Their high ratings and substantial review count reflect consistent customer satisfaction and reliability in the mortgage industry.
Loan Types:
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a significant local presence in the Kansas City area, serving Perry, KS. Founded in 2000, they are renowned for their innovative online tools, fast loan closings, and competitive rates. With thousands of positive reviews, they excel in customer service and offer a comprehensive suite of loan products, making them a trusted choice for homebuyers in the region.
Loan Types:
NBKC Bank
NBKC Bank
NBKC Bank is a Kansas-based lender with over 25 years of experience, offering personalized mortgage solutions and competitive rates to residents in Perry and surrounding areas. They are highly rated for their transparent processes, excellent customer support, and strong local community ties. With a solid track record and hundreds of positive reviews, NBKC provides reliable financing options, including specialized loans for first-time homebuyers and refinancing.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Perry, KS
What are the current mortgage rates like for homes in Perry, Kansas?
Mortgage rates in Perry typically align with national averages but can be influenced by local market conditions. Currently, rates for 30-year fixed mortgages in the Perry area range from the mid-6% to low-7% range, though this varies by lender and borrower qualifications. Working with a local lender who understands the Perry market can help you secure competitive rates.
Are there any first-time homebuyer programs specifically available in Perry?
Yes, Perry homebuyers can access the Kansas Housing Resources Corporation's First Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, some local lenders in the Perry area may offer special programs for first-time buyers. These programs are particularly valuable given Perry's affordable housing market compared to larger Kansas cities.
How does Perry's rural location affect mortgage lending and property types?
Perry's rural character means many properties include larger lots, agricultural land, or unique property types that may require specialized lending. USDA loans are particularly popular in Perry since the entire area qualifies for USDA rural housing programs, offering 100% financing options. Conventional lenders may have different requirements for properties with wells, septic systems, or acreage common in the Perry area.
What should I know about property taxes and insurance when getting a mortgage in Perry?
Jefferson County property taxes in Perry are relatively moderate compared to urban areas, typically ranging from 1.1% to 1.4% of assessed value. Homeowners insurance costs may be slightly lower than national averages due to Perry's lower risk profile, though flood insurance may be recommended for properties near the Delaware River. Your lender will help factor these costs into your monthly mortgage payment.
Are there any local down payment assistance programs available for Perry homebuyers?
While Perry itself doesn't offer city-specific programs, homebuyers can access statewide programs like the Kansas Housing Down Payment Assistance Program, which provides up to $15,000 in assistance. Some local credit unions and community banks serving the Perry area may also offer their own down payment assistance or closing cost help, particularly for moderate-income buyers in this affordable market.
Why Choose a Mortgage Lender in Perry?
Local Market Knowledge
Lenders who understand Perry'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 Perry and get competitive rates on your home loan.