The Best Mortgage Lenders in Tampa, KS
Compare verified mortgage lenders serving Tampa, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Tampa
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong presence in Kansas, serving Tampa and surrounding areas. Known for its competitive rates and digital-first approach, the company has consistently high customer satisfaction ratings due to its efficient loan processing, transparent fees, and wide range of loan options. With over two decades of experience, they offer personalized service through local loan officers, making them a reliable choice for homebuyers in rural and urban Kansas alike.
Loan Types:
New American Funding
New American Funding
New American Funding is a highly reputable mortgage lender with a national footprint that includes service to Tampa, Kansas. They excel in customer service, offering competitive rates and a diverse portfolio of loan products, including specialized options for first-time homebuyers and underserved communities. With thousands of positive reviews highlighting their responsive support and streamlined application process, they have built a strong track record for reliability and satisfaction over 20 years in business.
Loan Types:
Veterans United Home Loans
Veterans United Home Loans
Veterans United Home Loans is a top-rated lender specializing in VA loans but also offering a full suite of mortgage products, serving Tampa, Kansas, and the broader region. Renowned for their exceptional customer service and expertise in military-related financing, they have consistently high ratings for their educational resources, dedicated support teams, and competitive rates. With over two decades of experience, they are a trusted choice for veterans and non-veterans alike, praised for their commitment to making homeownership accessible.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Tampa, KS
What are current mortgage rates like for homebuyers in Tampa, KS?
Mortgage rates in Tampa, KS, typically align with national averages but can be influenced by local economic factors. For conventional 30-year fixed loans, rates generally range from the mid-6% to low-7% range, though rural lending programs may offer slightly lower rates. It's best to check with local Kansas lenders who understand the Marion County market.
Are there any first-time homebuyer programs available specifically for Tampa residents?
Yes, Tampa homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab & Purchase Program. These offer competitive interest rates, down payment assistance, and may have specific benefits for buyers in smaller communities like Tampa. Additionally, some Marion County initiatives may provide local grants for home purchases.
How does Tampa's rural location affect mortgage lending options?
Tampa's rural designation opens access to USDA Rural Development loans, which offer 100% financing with no down payment requirement. This is particularly beneficial given Tampa's agricultural economy and can make homeownership more accessible. Many lenders serving rural Kansas communities are familiar with these programs and can guide buyers through the process.
What unique property considerations should Tampa homebuyers discuss with their mortgage lender?
Tampa buyers should discuss well and septic system requirements, as many properties rely on these rather than municipal services. Lenders may require specific inspections and certifications for these systems. Additionally, agricultural land parcels or properties with outbuildings may require special appraisal considerations that urban lenders might not be familiar with.
How long does the mortgage approval process typically take in Tampa's real estate market?
The mortgage process in Tampa typically takes 30-45 days, similar to other Kansas markets. However, rural property appraisals may take slightly longer due to the need for appraisers familiar with Marion County's unique property types. Working with local Kansas lenders who understand rural property valuation can help streamline the timeline.
Why Choose a Mortgage Lender in Tampa?
Local Market Knowledge
Lenders who understand Tampa'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 Tampa and get competitive rates on your home loan.