The Best Mortgage Lenders in Sun City, KS
Compare verified mortgage lenders serving Sun City, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Sun City
Featured Mortgage Lenders
Chris Hesse
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with a strong local presence in Kansas. Chris Hesse and his Wichita-based team serve clients throughout rural Kansas including Sun City, with particular expertise in USDA and rural housing loans that are ideal for the Sun City area. They consistently receive exceptional ratings for their personalized service, competitive rates, and efficient loan processing. Their extensive experience with Kansas rural properties makes them a top choice for Sun City residents.
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Mortgage Department
Credit Union of America
As one of Kansas' largest credit unions, Credit Union of America has been serving members across the state for decades, including rural communities like Sun City. They offer highly competitive mortgage rates to members and are particularly strong with first-time homebuyer programs and rural property financing. Their local underwriting and decision-making process allows for personalized service that national lenders can't match. They have extensive experience with Kansas properties and provide exceptional member service throughout the mortgage process.
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Jason Glidewell
Fidelity Bank Mortgage
Fidelity Bank is a well-established Kansas-based community bank with deep roots in serving rural Kansas communities. Their mortgage team has particular expertise in construction loans and rural property financing that's highly relevant to Sun City homebuyers. They offer the personalized service of a local bank with the resources of a substantial regional institution. Their long history in Kansas banking gives them unique insight into local property values and market conditions, making them an excellent choice for Sun City area mortgages.
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Frequently Asked Questions
Common questions about mortgage lending in Sun City, KS
What are the typical mortgage rates available for homebuyers in Sun City, KS?
Mortgage rates in Sun City, KS are generally competitive with national averages, but can be influenced by the rural nature of the area and limited local lender options. Currently, 30-year fixed rates typically range from 6.5% to 7.5%, though shopping with regional banks or credit unions serving Barber County may yield slightly better terms. Your specific rate will depend on credit score, loan type, and down payment amount.
Are there any special mortgage programs for first-time homebuyers in Sun City?
Yes, Sun City homebuyers can access the "First Time Home Buyer" program offered by the Kansas Housing Resources Corporation (KHRC), which provides competitive interest rates and down payment assistance. Additionally, USDA loans are particularly relevant here since Sun City and much of Barber County qualify for USDA rural development loans requiring no down payment. These programs make homeownership more accessible in this rural community.
How does Sun City's rural location affect the mortgage approval process?
Sun City's rural classification can impact mortgage approval through property appraisal challenges, as comparable home sales may be limited in this small community. Lenders may require appraisers from larger nearby cities like Wichita, potentially extending the loan process timeline. Some national lenders might have stricter requirements for rural properties, so working with local Kansas lenders familiar with the area is advantageous.
What types of properties in Sun City typically qualify for USDA rural housing loans?
Most properties in Sun City qualify for USDA loans since Barber County is designated as rural by the USDA. This includes single-family homes, manufactured homes (if permanently affixed and meeting program requirements), and condos in eligible areas. The property must be modest for the area, meet safety standards, and serve as your primary residence to qualify for these zero-down-payment loans.
Are property taxes in Sun City, KS typically factored into mortgage escrow accounts?
Yes, most lenders in Sun City will include property taxes in your monthly mortgage payment through an escrow account, given that Barber County property taxes are relatively affordable compared to urban areas. Current property tax rates in Sun City average approximately 1.2% of assessed value, which lenders typically divide into twelve monthly payments included in your total mortgage payment for predictable budgeting.
Why Choose a Mortgage Lender in Sun City?
Local Market Knowledge
Lenders who understand Sun City'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 Sun City and get competitive rates on your home loan.