The Best Mortgage Lenders in Sharon, KS
Compare verified mortgage lenders serving Sharon, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Sharon
Featured Mortgage Lenders
NBKC Bank
NBKC Bank
NBKC Bank is a highly-rated regional lender based in the Kansas City area, serving Sharon and surrounding communities with exceptional customer service and competitive rates. Founded in 1999, they have built a strong reputation for transparency and efficiency in mortgage processing, with numerous positive reviews highlighting their responsive support and smooth closing experiences. Their digital tools and local expertise make them a top choice for homebuyers in rural Kansas, offering a wide range of loan products tailored to various financial situations.
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loanDepot
loanDepot, LLC
loanDepot is a nationally recognized mortgage lender known for its innovative technology and customer-centric approach, serving Sharon, KS, through its extensive online and phone services. With over a decade of experience, they offer competitive rates and a streamlined application process, earning high marks for accessibility and support in rural areas. Customers praise their quick pre-approvals and dedicated loan officers, making them a reliable option for those seeking convenience and reliability in mortgage financing.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate has established itself as a top national mortgage lender with a strong presence in Kansas, offering personalized service and competitive loan options for Sharon residents. Founded in 2000, they are praised for their user-friendly digital platform and expert guidance, with many reviews noting efficient closings and helpful staff. Their commitment to low rates and transparent processes makes them a standout choice for homebuyers in smaller communities, ensuring access to high-quality mortgage solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Sharon, KS
Are there any first-time homebuyer programs specific to Sharon, KS that can help with down payment or closing costs?
While Sharon itself doesn't offer city-specific programs, Kansas Housing Resources Corporation provides statewide assistance programs like First Time Homebuyer Program and Homeowner Rehab Program that Sharon residents can access. These programs offer competitive interest rates, down payment assistance, and closing cost help for qualifying buyers in Stafford County.
What are typical mortgage rates available to homebuyers in Sharon, KS compared to state averages?
Sharon homebuyers typically see rates very close to Kansas state averages, often ranging from 6.5% to 7.5% for conventional 30-year fixed mortgages as of 2024. Given Sharon's rural location, working with local lenders familiar with Stafford County properties can sometimes secure slightly better terms than national averages.
How does Sharon's rural location affect the mortgage approval process for local properties?
Sharon's rural classification can impact appraisals since comparable properties may be limited, requiring appraisers to look at broader Stafford County sales. USDA loans are particularly advantageous here since Sharon qualifies for USDA rural development loans, which offer 100% financing with no down payment required for eligible buyers.
What special considerations should I know about when getting a mortgage for older homes in Sharon?
Many Sharon homes were built in the early to mid-20th century, so mortgage lenders may require additional inspections for older systems like wiring, plumbing, and foundations. FHA 203(k) renovation loans can be beneficial for updating these historic properties while including renovation costs in your mortgage.
Are there any local property tax considerations in Sharon that affect mortgage affordability?
Stafford County property taxes in Sharon are relatively affordable compared to urban Kansas areas, typically ranging from 1.2% to 1.5% of assessed value. However, your mortgage lender will factor in these taxes when calculating your debt-to-income ratio, and you may qualify for Kansas property tax relief programs if you're a senior or disabled homeowner.
Why Choose a Mortgage Lender in Sharon?
Local Market Knowledge
Lenders who understand Sharon'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 Sharon and get competitive rates on your home loan.