The Best Mortgage Lenders in Plevna, KS
Compare verified mortgage lenders serving Plevna, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Plevna
Featured Mortgage Lenders
Credit Union of America Mortgage Department
Credit Union of America
Credit Union of America is a highly-rated regional financial institution serving multiple counties in central Kansas, including Reno County where Plevna is located. They have built an exceptional reputation for personalized mortgage services with competitive rates and local decision-making. Their mortgage team specializes in rural and small-town home financing with expertise in USDA loans that are particularly relevant for Plevna area residents. Members consistently praise their responsive service, transparent process, and commitment to finding the right loan products for individual needs.
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American Mortgage & Financial Services
American Mortgage & Financial Services
American Mortgage & Financial Services is a well-established mortgage brokerage serving central Kansas communities including the Plevna area. They have earned outstanding reviews for their expertise in rural property financing and their ability to navigate unique property situations common in smaller Kansas towns. The company is particularly noted for their construction loan expertise and personalized approach to each client. Their local knowledge of Barton County and surrounding areas makes them an excellent choice for Plevna residents seeking competitive rates with local service.
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Fairway Independent Mortgage Corporation - Wichita Branch
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a nationally recognized mortgage lender with a strong presence in Kansas that serves the Plevna area. Their Wichita branch has consistently high ratings for exceptional customer service and competitive loan products. They specialize in rural financing options including USDA loans that are ideal for Plevna properties. Fairway is known for their efficient processing, knowledgeable loan officers, and commitment to finding the best possible mortgage solutions for each client's unique situation, making them a top choice despite being based in Wichita.
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Frequently Asked Questions
Common questions about mortgage lending in Plevna, KS
What are the current mortgage rates like for homes in Plevna, KS?
Mortgage rates in Plevna are typically competitive with national averages, but local lenders may offer slightly different terms based on the rural nature of the area. It's wise to compare rates from both local community banks and larger regional lenders serving Reno County. Current rates for a 30-year fixed mortgage in the area generally range from 6.5% to 7.5%, depending on your credit profile and loan type.
Are there any first-time homebuyer programs specific to Plevna or Reno County?
While Plevna itself doesn't have a unique program, homebuyers can access statewide Kansas programs like the First Time Homebuyer Program from Kansas Housing Resources Corporation (KHRC). These programs offer competitive interest rates, down payment assistance, and mortgage credit certificates, which are particularly valuable in Plevna's affordable housing market where even small assistance can make a significant difference.
How does Plevna's rural location affect the mortgage process?
Plevna's rural setting can impact appraisals, as comparable home sales may be limited and appraisers might need to look at properties in nearby towns like Hutchinson or Pretty Prairie. Some lenders may have specific requirements for rural properties, particularly if the home is on well and septic systems rather than city utilities. It's important to work with a lender experienced in rural Kansas properties.
What types of properties are most common for mortgage lending in Plevna?
Most mortgage lending in Plevna involves single-family homes, many of which are older properties with character and land. You'll find many homes built mid-20th century with larger lots typical of rural communities. USDA loans are particularly relevant here since Plevna qualifies for USDA rural development loans, which offer 100% financing for eligible borrowers in designated rural areas.
Are property taxes in Plevna typically included in mortgage escrow accounts?
Yes, most lenders will include Reno County property taxes in your escrow account along with homeowners insurance. Plevna's property taxes are generally lower than urban areas in Kansas, which helps keep overall mortgage payments affordable. The current mill levy for Plevna Township is approximately X (check current rate), but your lender will verify the exact amount during the loan process.
Why Choose a Mortgage Lender in Plevna?
Local Market Knowledge
Lenders who understand Plevna'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 Plevna and get competitive rates on your home loan.