The Best Mortgage Lenders in Amity, MO
Compare verified mortgage lenders serving Amity, Missouri. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Amity
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service, competitive rates, and comprehensive loan options. With over 28 years in business, they have a strong regional presence in Missouri, including service to Amity, and are praised for their efficient processing, transparency, and personalized support. Customers consistently highlight their responsiveness and ability to simplify the mortgage process, making them a trusted choice for homebuyers in the area.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is highly regarded for its fast closing times and outstanding customer satisfaction. Founded in 2008, they leverage innovative technology and dedicated loan officers to serve the Amity region, offering a smooth and stress-free mortgage experience. Their competitive rates, responsive service, and focus on community engagement have earned them strong reviews and a reputation for reliability in Missouri.
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NBKC Bank
NBKC Bank
NBKC Bank, based in Kansas City, provides a seamless online and in-person mortgage experience with highly competitive rates and low fees. With 25 years of experience, they are a preferred lender for borrowers in Amity and surrounding areas, known for their transparency, efficiency, and excellent customer support. High ratings and numerous positive reviews underscore their commitment to making home financing accessible and straightforward, with a variety of loan products tailored to diverse needs.
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Frequently Asked Questions
Common questions about mortgage lending in Amity, MO
What are current mortgage rates like in Amity, MO compared to state averages?
Mortgage rates in Amity typically align closely with Missouri state averages, though rural areas sometimes see slightly higher rates due to smaller lender competition. As of recent data, 30-year fixed rates in Amity range between 6.5-7%, but working with local lenders who understand the Amity market can help secure competitive terms. It's wise to compare offers from both local credit unions and regional banks.
Are there any first-time homebuyer programs specifically available in Amity?
Yes, Amity homebuyers can access Missouri's First Place Home Loan Program, which offers competitive interest rates and down payment assistance. Additionally, the USDA Rural Development Loan is particularly relevant for Amity properties since the area qualifies for USDA financing, offering 100% financing with no down payment requirement for eligible borrowers and properties.
How does Amity's rural location affect the mortgage approval process?
Amity's rural classification can impact appraisals, as comparable properties might be farther apart, requiring appraisers with local market knowledge. Some lenders may have stricter requirements for rural properties, but local banks and credit unions in nearby towns like Oregon or Rock Port often have more flexible underwriting for Amity homes. USDA loans are especially well-suited for this area.
What types of properties in Amity typically qualify for USDA rural housing loans?
Most single-family homes in Amity qualify for USDA loans since the entire area is designated rural by USDA standards. This includes existing homes, new construction, and even some manufactured homes that meet program requirements. The property must be located within Amity's designated rural area and serve as your primary residence to be eligible for this zero-down-payment program.
Are property taxes in Amity typically higher or lower than surrounding areas?
Property taxes in Amity are generally lower than many parts of Missouri, with Atchison County having some of the most affordable property tax rates in the state. Current rates average around 0.85-1.0% of assessed value, which can significantly impact your monthly mortgage payment calculation and overall housing affordability compared to urban areas.
Nearby Cities
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Why Choose a Mortgage Lender in Amity?
Local Market Knowledge
Lenders who understand Amity'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 Missouri.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Amity and get competitive rates on your home loan.