The Best Mortgage Lenders in Williamsburg, KS
Compare verified mortgage lenders serving Williamsburg, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Williamsburg
Featured Mortgage Lenders
Jason Arnold
Community National Bank & Trust
Community National Bank & Trust has been serving eastern Kansas communities for over 130 years and is one of the most trusted local financial institutions serving Williamsburg and surrounding areas. They offer personalized mortgage services with local underwriting and decision-making, providing competitive rates on various loan programs. Their experienced mortgage team understands the unique needs of rural Kansas homebuyers and offers both construction and permanent financing options with exceptional customer service ratings.
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Matt Gudenkauf
Cornerstone Home Lending
Cornerstone Home Lending maintains a strong presence throughout Kansas with multiple offices serving the greater Kansas City metro area, including Williamsburg. They consistently receive top ratings for customer satisfaction and offer a comprehensive range of mortgage products with competitive rates. Their team specializes in both purchase and refinance transactions, with particular expertise in rural and suburban Kansas properties. The company is known for efficient processing and excellent communication throughout the loan process.
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Chris Harris
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation has a strong Lawrence office that actively serves clients throughout eastern Kansas, including Williamsburg. They are consistently ranked among the top mortgage lenders nationally and receive excellent reviews for their responsive service and competitive rate offerings. Their loan officers have extensive experience with Kansas rural properties and offer specialized programs for first-time homebuyers and veterans. The company is praised for their streamlined processes and ability to close loans quickly while maintaining high customer satisfaction standards.
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Frequently Asked Questions
Common questions about mortgage lending in Williamsburg, KS
What are the current mortgage rates like in Williamsburg, KS, and how do they compare to state averages?
Mortgage rates in Williamsburg typically align closely with Kansas state averages, which often run slightly below national rates due to the state's lower cost of living. Currently, you can expect 30-year fixed rates around 6.5-7% for qualified buyers. Local lenders like Community National Bank and Union State Bank often offer competitive rates specifically for Williamsburg home purchases.
Are there any first-time homebuyer programs specifically available for Williamsburg residents?
Yes, Williamsburg homebuyers can access the Kansas Housing Resources Corporation's First Time Homebuyer Program, which offers down payment assistance and competitive interest rates. Additionally, Franklin County may have local assistance programs, and USDA loans are particularly relevant since much of the Williamsburg area qualifies for USDA rural housing loans with zero down payment requirements.
How does Williamsburg's rural location affect my mortgage options and requirements?
Williamsburg's rural designation opens up USDA loan opportunities that aren't available in urban areas, offering 100% financing with no down payment. However, you may find fewer local mortgage lenders physically located in Williamsburg, making it important to work with lenders experienced in rural properties and willing to service loans in smaller communities.
What unique closing costs should I expect when buying a home in Williamsburg, KS?
Williamsburg homebuyers should budget for typical Kansas closing costs plus some local considerations, including Franklin County recording fees, title insurance specific to rural properties, and potentially well and septic inspections given the area's reliance on these systems. Total closing costs typically range from 2-5% of the home's purchase price.
How do property values and appraisal processes work in Williamsburg's smaller real estate market?
With fewer recent comparable sales in Williamsburg's limited housing market, appraisals can be more challenging. Lenders often need to expand their search radius to include nearby communities like Ottawa or Pomona for comps. This can sometimes affect loan approval, so working with a local real estate agent familiar with Franklin County's unique property valuation trends is crucial.
Why Choose a Mortgage Lender in Williamsburg?
Local Market Knowledge
Lenders who understand Williamsburg'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 Williamsburg and get competitive rates on your home loan.