The Best Mortgage Lenders in Pittsburg, KS
Compare verified mortgage lenders serving Pittsburg, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Pittsburg
Featured Mortgage Lenders
Community National Bank Mortgage Team
Community National Bank
As Pittsburg's hometown bank with over 130 years of service, Community National Bank offers exceptional personalized mortgage services with deep local market knowledge. Their experienced mortgage team provides competitive rates and flexible loan options tailored to southeast Kansas residents. They're known for their responsive customer service, local underwriting decisions, and strong community involvement, making them a top choice for home financing in the Pittsburg area.
Loan Types:
Arvest Mortgage
Arvest Bank
Arvest Bank has been serving the Four-State region including Pittsburg for decades with a comprehensive mortgage division that offers competitive rates and extensive loan programs. Their local mortgage specialists provide personalized service with the backing of a regional banking powerhouse. Arvest is particularly praised for their first-time homebuyer programs, digital mortgage experience, and consistent customer satisfaction across multiple review platforms.
Loan Types:
Guild Mortgage - Joplin Office
Guild Mortgage Company
While based in Joplin, this highly-rated Guild Mortgage branch actively serves the Pittsburg market and is renowned for exceptional service and competitive rates. Guild Mortgage specializes in diverse loan programs including government-backed loans and offers personalized guidance throughout the mortgage process. Their team has extensive experience with Kansas mortgage regulations and provides seamless service to Crawford County homebuyers, earning consistent 5-star reviews for communication and efficiency.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Pittsburg, KS
Are there any first-time homebuyer programs specific to Pittsburg, KS that can help with down payment or closing costs?
Yes, the Kansas Housing Resources Corporation (KHRC) offers the First Time Homebuyer Program, which provides down payment and closing cost assistance to eligible buyers in Pittsburg. This program often features competitive interest rates and can be combined with a Mortgage Credit Certificate (MCC) for additional tax savings. Local lenders in Pittsburg are well-versed in these programs and can guide you through the application process.
How do property taxes in Pittsburg, KS impact my monthly mortgage payment?
Crawford County, where Pittsburg is located, has property tax rates that are generally moderate compared to national averages, but they still significantly affect your escrow payment. The exact rate depends on the specific taxing districts, but you can expect property taxes to add roughly $100-$200 to your monthly mortgage payment for a typical home. Your lender will calculate the precise amount based on the home's assessed value and include it in your monthly payment estimate.
What types of mortgages are most common for homes in Pittsburg's price range?
Given Pittsburg's relatively affordable housing market, conventional loans and FHA loans are very popular choices. USDA loans are also a strong option for many buyers, as much of the area around Pittsburg qualifies for USDA rural housing programs, which offer 100% financing. VA loans are commonly used by military families connected to the area, taking advantage of the competitive rates and no down payment requirement.
How does being a college town affect mortgage lending in Pittsburg?
Pittsburg's status as a college town (home to Pittsburg State University) creates unique opportunities for investment properties and multi-unit homes, which may qualify for different financing. However, lenders may have stricter requirements for rental property loans, particularly for student housing. For primary residences, it's important to note that stable employment history (not just student status) is crucial for mortgage approval.
What should I know about homeowners insurance requirements when getting a mortgage in Pittsburg?
Pittsburg's location in Southeast Kansas means lenders will require adequate homeowners insurance that includes coverage for severe weather risks common to the region, particularly wind, hail, and tornado damage. Insurance premiums in this area can be slightly higher than national averages due to these weather risks. Your lender will verify adequate coverage before closing and include the premium in your monthly mortgage payment through an escrow account.
Why Choose a Mortgage Lender in Pittsburg?
Local Market Knowledge
Lenders who understand Pittsburg'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 Pittsburg and get competitive rates on your home loan.