The Best Mortgage Lenders in Quinter, KS
Compare verified mortgage lenders serving Quinter, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Quinter
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender known for its exceptional customer service and competitive rates. With a strong local branch in Hays, they actively serve Quinter and surrounding areas, offering personalized mortgage solutions. Their high ratings reflect a commitment to transparency, fast processing, and expertise in various loan programs, making them a trusted choice for homebuyers in western Kansas.
Loan Types:
New American Funding
New American Funding, LLC
New American Funding is a highly regarded mortgage lender with a significant presence in Kansas, serving Quinter through its Overland Park office. They are praised for their diverse loan options, including programs for first-time homebuyers and competitive rates. Their excellent customer reviews highlight efficient service, knowledgeable staff, and a strong track record of helping clients navigate the mortgage process smoothly.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a reputable lender known for its community-focused approach and reliable service in Kansas, including Quinter. With a Wichita branch, they offer a wide range of mortgage products and are recognized for their quick closings and attentive customer support. Their strong ratings and years of experience make them a solid option for homebuyers seeking personalized and competitive financing solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Quinter, KS
What are the current average mortgage rates for homebuyers in Quinter, KS?
Mortgage rates in Quinter typically align with national averages but can vary slightly based on local lender competition. Currently, 30-year fixed rates range between 6.5-7% in the area, though rates for USDA loans may be slightly lower due to Quinter's rural designation. It's best to check with local banks like First State Bank & Trust or Quinter Federal Credit Union for the most current rates.
Are there any special mortgage programs for first-time homebuyers in Quinter?
Yes, first-time homebuyers in Quinter may qualify for Kansas Housing Resources Corporation programs, including down payment assistance and favorable loan terms. Additionally, USDA Rural Development loans are particularly relevant since Quinter qualifies as a rural area, offering 100% financing with no down payment required for eligible borrowers.
How does Quinter's rural location affect mortgage lending options?
Quinter's rural designation opens access to USDA loans, which are excellent for buyers with moderate incomes seeking no-down-payment options. However, the limited number of local lenders means you might need to explore regional banks or online lenders for competitive rates. Appraisal processes may also take slightly longer due to the rural setting and comparable property availability.
What should I know about property taxes when getting a mortgage in Quinter?
Gove County property taxes in Quinter are relatively affordable compared to urban areas, typically ranging from 1.1% to 1.4% of assessed value. Your mortgage lender will include these taxes in your monthly escrow payment, and it's important to factor in potential tax increases given recent agricultural property value changes in the region.
Are there local down payment assistance programs specific to Quinter homebuyers?
While Quinter itself doesn't offer city-specific programs, Gove County and Kansas state programs provide down payment assistance that Quinter residents can access. The Kansas Hero Loan program and various KHRC initiatives offer help with down payments and closing costs, particularly beneficial given Quinter's median home prices being below state averages.
Why Choose a Mortgage Lender in Quinter?
Local Market Knowledge
Lenders who understand Quinter'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 Quinter and get competitive rates on your home loan.