The Best Mortgage Lenders in Saint Paul, KS
Compare verified mortgage lenders serving Saint Paul, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Saint Paul
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong local presence in the Kansas City metro area, serving Saint Paul and surrounding regions. Known for its competitive rates, transparent process, and efficient online platform, the company has high customer satisfaction ratings. With over two decades of experience, they offer a wide range of loan products and are praised for their responsive customer service and streamlined application process.
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New American Funding
New American Funding
New American Funding is a highly regarded mortgage lender with a branch in the Kansas City area that serves Saint Paul and southeast Kansas. They are recognized for their inclusive lending practices, community involvement, and excellent customer service. Offering a diverse portfolio of loan options, including specialized programs for first-time homebuyers, they have built a strong reputation for reliability and competitive rates over two decades.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a premier lender with deep roots in the Kansas market, providing services to Saint Paul and nearby communities. Known for personalized service, competitive pricing, and fast closings, they have consistently high ratings for customer satisfaction. With nearly three decades of experience, they offer extensive loan products and are commended for their local expertise and supportive guidance throughout the mortgage process.
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Frequently Asked Questions
Common questions about mortgage lending in Saint Paul, KS
What are the current average mortgage rates in Saint Paul, KS, and how do they compare to state averages?
Mortgage rates in Saint Paul typically align closely with Kansas state averages, which are often slightly below national rates due to the lower cost of living. As of recent data, 30-year fixed rates in the area generally range from 6.5% to 7%, but it's best to check with local lenders like First State Bank or Community National Bank for the most current offers. Rural areas like Saint Paul may see minor variations based on local lender competition.
Are there any first-time homebuyer programs specifically available for Saint Paul residents?
Yes, Saint Paul homebuyers can access statewide programs like the Kansas Housing Resources Corporation's First Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, some local lenders may offer special incentives for first-time buyers in Crawford County. These programs are particularly valuable in Saint Paul's affordable market where median home prices are below state averages.
How does Saint Paul's rural location affect the mortgage approval process?
Saint Paul's rural classification can impact mortgage approvals through USDA loans, which are widely available and often ideal for this area since most properties qualify for 100% financing. However, appraisals might take slightly longer as appraisers may need to travel from larger nearby cities like Pittsburg. Local lenders with experience in Crawford County typically navigate these rural considerations most effectively.
What types of properties in Saint Paul typically qualify for USDA rural housing loans?
Most residential properties within Saint Paul city limits and throughout Crawford County qualify for USDA loans, given the area's rural designation. This includes single-family homes, townhouses, and some condominiums that meet USDA property standards. The program is particularly advantageous here since Saint Paul's housing stock consists mainly of modest, single-family homes well within USDA loan limits.
Are property taxes in Saint Paul typically included in mortgage escrow accounts?
Yes, most lenders in Saint Paul include Crawford County property taxes in escrow accounts as part of the monthly mortgage payment. Saint Paul's property tax rates are generally reasonable compared to urban areas in Kansas, currently around 1.2-1.5% of assessed value. Your lender will calculate these payments based on the specific property's tax assessment and include them in your monthly payment estimate.
Why Choose a Mortgage Lender in Saint Paul?
Local Market Knowledge
Lenders who understand Saint Paul'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 Paul and get competitive rates on your home loan.