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Wilmore, KS

The Best Mortgage Lenders in Wilmore, KS

Compare verified mortgage lenders serving Wilmore, Kansas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
300+
Reviews
10
Loan Types

Available Loan Programs in Wilmore

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Home Equity
Rural Development

Featured Mortgage Lenders

1

Security 1st Bank Mortgage Team

Security 1st Bank

★★★★☆
4.8/5

Security 1st Bank is a highly-rated community bank serving southeast Kansas with exceptional mortgage services. They have built a strong reputation for personalized service and competitive rates throughout the region, including Wilmore. As a local bank with deep community roots, they offer the advantage of local decision-making and relationship-based lending. Their mortgage team provides comprehensive guidance through the entire home financing process, with particular expertise in rural and agricultural property financing that's well-suited for the Wilmore area.

Experience:25 years
Reviews:85 customer reviews
101 E Madison Ave, Iola, KS 66749

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Meritrust Credit Union Mortgage Department

Meritrust Credit Union

★★★★☆
4.7/5

Meritrust Credit Union is one of Kansas' largest and most respected credit unions, serving members across the state including Wilmore residents. They consistently receive high marks for competitive mortgage rates, low fees, and exceptional member service. Their mortgage specialists provide personalized guidance through every step of the home financing process, with special programs for first-time homebuyers and flexible underwriting standards. As a not-for-profit financial cooperative, they return profits to members through better rates and lower costs.

Experience:20 years
Reviews:120 customer reviews
300 S Main St, Wichita, KS 67202

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceHome Equity
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3

American Mortgage & Financial Services

American Mortgage & Financial Services

★★★★☆
4.9/5

American Mortgage & Financial Services is a highly-rated mortgage brokerage based in Wichita that serves clients throughout Kansas, including the Wilmore area. They excel at finding the best loan options from multiple lenders and have particular expertise with rural properties and agricultural lending. Their team of experienced mortgage professionals provides white-glove service with an emphasis on communication and transparency throughout the lending process. They are known for their creative problem-solving abilities and ability to handle complex financing situations that traditional lenders might decline.

Experience:15 years
Reviews:95 customer reviews
7701 E Kellogg Dr, Wichita, KS 67207

Loan Types:

ConventionalFHAVAUSDARural DevelopmentConstructionRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Wilmore, KS

What are the current mortgage rates like for homes in Wilmore, KS?

Mortgage rates in Wilmore are generally competitive with national averages, but can be slightly influenced by the rural nature of the area and the local lending market. It's best to compare rates from both local Kansas-based credit unions and larger national lenders to find the best deal for your specific financial situation.

Are there any first-time homebuyer programs specific to Wilmore or Comanche County?

While Wilmore itself doesn't offer a unique program, Kansas has a statewide first-time homebuyer program called the "First Time Homebuyer Program" through Kansas Housing Resources Corporation (KHRC). This program offers competitive interest rates, down payment assistance, and mortgage credit certificates for eligible buyers in Wilmore.

How does the rural property appraisal process work in Wilmore?

Appraising properties in Wilmore can be different from urban areas due to fewer comparable sales ("comps"). Lenders often work with appraisers familiar with Comanche County who understand how to value properties with larger lots, agricultural potential, or unique rural characteristics that are common in the area.

What types of properties in Wilmore might require special financing considerations?

Properties with acreage, older farmhouses, or homes needing significant repairs may require specialized loan programs like USDA Rural Development loans or renovation loans. Given Wilmore's rural setting, USDA loans are particularly relevant as many properties in the area qualify for this zero-down-payment program.

How long does the mortgage approval process typically take for Wilmore home purchases?

The mortgage process in Wilmore typically takes 30-45 days, similar to national timelines. However, being in a rural area, you may want to build in extra time for property inspections and appraisals since specialists may need to travel from larger nearby cities like Dodge City or Wichita.

Nearby Cities

Explore mortgage lenders in cities near Wilmore, KS

Why Choose a Mortgage Lender in Wilmore?

Local Market Knowledge

Lenders who understand Wilmore'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 Wilmore and get competitive rates on your home loan.