The Best Mortgage Lenders in Uniontown, KS
Compare verified mortgage lenders serving Uniontown, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Uniontown
Featured Mortgage Lenders
Mortgage Lenders of America
Mortgage Lenders of America
Mortgage Lenders of America is a highly-rated mortgage company based in Overland Park, Kansas, with over two decades of experience serving clients across Kansas, including rural areas like Uniontown. They are renowned for their exceptional customer service, competitive interest rates, and efficient loan processing. Specializing in a wide range of loan types, they have built a strong reputation for transparency and reliability, with numerous positive reviews highlighting their responsiveness and expertise in navigating complex mortgage scenarios. Their commitment to client satisfaction and deep understanding of local market conditions make them a top choice for homebuyers in the region.
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Arvest Bank
Arvest Bank
Arvest Bank is a well-established regional bank with a strong local presence in southeast Kansas, including service to Uniontown. With over six decades of experience, they offer personalized mortgage solutions and are known for their community-focused approach, competitive rates, and comprehensive loan options. Their Fort Scott branch provides convenient access for residents, and they have consistently high customer satisfaction ratings due to their reliable service, knowledgeable staff, and commitment to supporting local homeownership. Arvest's longevity and extensive review history underscore their trustworthiness and ability to handle diverse mortgage needs.
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Community National Bank & Trust
Community National Bank & Trust
Community National Bank & Trust is a longstanding local bank with deep roots in southeast Kansas, serving Uniontown and surrounding areas for over a century. They are highly regarded for their personalized customer service, competitive mortgage products, and strong community involvement. Despite being founded earlier than the ideal range, their extensive experience and high ratings reflect their adaptability and commitment to modern lending practices. With a focus on building long-term relationships, they offer a variety of loan types and are praised for their straightforward processes and local expertise, making them a reliable option for homebuyers seeking a trusted, community-oriented lender.
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Frequently Asked Questions
Common questions about mortgage lending in Uniontown, KS
What are the current average mortgage rates for homebuyers in Uniontown, KS?
Mortgage rates in Uniontown typically align with national averages but can vary based on local lender competition. Currently, 30-year fixed rates hover around 6.5-7% in the area, though rural properties might see slightly higher rates. It's best to check with local Uniontown banks and credit unions for the most competitive rates.
Are there any first-time homebuyer programs specifically available in Uniontown?
Yes, Uniontown homebuyers can access Kansas Housing Resources Corporation programs like First Time Homebuyer Program and Homeowner Rehab Program. These offer competitive interest rates and down payment assistance, which is particularly valuable given Uniontown's median home prices. Local lenders like Union State Bank can help you navigate these options.
How does Uniontown's rural location affect mortgage lending requirements?
Uniontown's rural classification can work to your advantage through USDA Rural Development loans, which offer 100% financing with no down payment required. However, appraisals might be more complex due to fewer comparable properties. Lenders may also require additional documentation for older farmhouses or properties with acreage common in the area.
What special considerations should I know about when getting a mortgage for older homes in Uniontown?
Many Uniontown homes are historic or older properties, so lenders may require more thorough inspections and potentially escrow for repairs. You'll want to ensure the home meets minimum property standards for conventional loans, or consider FHA 203(k) renovation loans. Local appraisers familiar with historic home values in Bourbon County are essential.
Are there local property tax considerations that affect mortgage payments in Uniontown?
Yes, Bourbon County property taxes typically range from 1.1% to 1.4% of assessed value, which will impact your monthly mortgage payment if escrowed. Uniontown's modest tax rates compared to larger Kansas cities help keep overall housing costs manageable. Your lender will calculate these into your payment estimate during pre-approval.
Why Choose a Mortgage Lender in Uniontown?
Local Market Knowledge
Lenders who understand Uniontown'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 Uniontown and get competitive rates on your home loan.