The Best Mortgage Lenders in Saint George, KS
Compare verified mortgage lenders serving Saint George, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Saint George
Featured Mortgage Lenders
Sunflower Bank Mortgage Team
Sunflower Bank, N.A.
Sunflower Bank has been serving Kansas communities for over 130 years and maintains a strong presence in the Flint Hills region. Their Manhattan branch location provides comprehensive mortgage services to Saint George residents with personalized local service. They offer competitive rates on all major loan types and are particularly noted for their agricultural and rural lending expertise, making them an excellent choice for Pottawatomie County homebuyers. Their long-standing community commitment and local decision-making authority provide significant advantages for Saint George area borrowers.
Loan Types:
Credit Union of America Mortgage Department
Credit Union of America
As one of Kansas's largest credit unions, Credit Union of America serves members statewide including Saint George residents. They offer highly competitive mortgage rates and exceptional member service, with particular strength in first-time homebuyer programs and government-backed loans. Their mortgage team provides personalized guidance through the entire homebuying process and maintains strong relationships with local real estate professionals throughout Kansas. The credit union's not-for-profit structure often results in lower fees and better terms for borrowers.
Loan Types:
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has multiple Kansas locations and consistently ranks among the top mortgage lenders in the region. Their Topeka branch actively serves Saint George and surrounding Pottawatomie County with exceptional efficiency and competitive pricing. They are particularly renowned for their streamlined digital mortgage process and quick closing times, typically 30 days or less. With numerous industry awards and outstanding customer satisfaction ratings, they provide comprehensive mortgage solutions with local underwriting expertise and national lending power.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Saint George, KS
What are the current average mortgage rates in Saint George, KS, and how do they compare to state averages?
Mortgage rates in Saint George typically align closely with Kansas state averages, often ranging from 6.5% to 7.5% for 30-year fixed loans as of 2024. However, local lenders may offer slightly different rates based on property location and borrower qualifications. It's wise to compare offers from both local community banks and regional lenders serving the area.
Are there any first-time homebuyer programs specifically available for Saint George residents?
Yes, Saint George homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab & Repair loans. These programs offer competitive interest rates, down payment assistance, and closing cost help for qualifying buyers in Pottawatomie County. Local lenders can help determine eligibility for these state-wide programs with local impact.
How does Saint George's rural location affect mortgage lending and property appraisal processes?
Saint George's rural setting means appraisals may require appraisers traveling from Manhattan or other larger cities, potentially adding time to the loan process. Lenders may also have specific requirements for properties with well and septic systems, which are common in the area. USDA Rural Development loans are particularly relevant here and offer excellent terms for eligible properties.
What types of properties are most common in Saint George's mortgage market?
The Saint George market consists mainly of single-family homes, many older properties with character, and some newer construction on the outskirts. You'll find a mix of historic homes in the town proper and more modern ranch-style houses. This variety means lenders need to be experienced with different property types and ages common in rural Kansas communities.
Are there any local property tax considerations I should know about when getting a mortgage in Saint George?
Pottawatomie County property taxes in Saint George are generally lower than state averages, currently around 1.1% of assessed value. However, properties in city limits versus rural areas may have different tax rates. Your lender will help estimate these costs for your mortgage payment calculation, and first-time buyers may qualify for property tax relief programs.
Why Choose a Mortgage Lender in Saint George?
Local Market Knowledge
Lenders who understand Saint George'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 Saint George and get competitive rates on your home loan.