The Best Mortgage Lenders in Creighton, MO
Compare verified mortgage lenders serving Creighton, Missouri. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Creighton
Featured Mortgage Lenders
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender known for its exceptional customer service and competitive rates, serving Creighton and the greater Kansas City area. With over 27 years of experience, they specialize in a wide range of loan products and have a strong local presence, earning high marks for reliability and customer satisfaction. Their team provides personalized guidance, making them a preferred choice for homebuyers in Missouri.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly regarded lender with a focus on community engagement and efficient loan processing, serving Creighton and surrounding areas. Founded in 2008, they offer a variety of mortgage options and are praised for their responsive customer service and competitive rates. Their local Kansas City office ensures personalized support, backed by strong ratings and a commitment to homebuyer education.
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New American Funding
New American Funding, LLC
New American Funding is a reputable lender with two decades of experience, offering diverse loan products and serving Creighton through its regional presence. Known for competitive rates and high customer satisfaction, they provide tailored solutions for various homebuying needs. Their strong review scores and commitment to inclusivity make them a trusted option in the Missouri and Kansas markets.
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Frequently Asked Questions
Common questions about mortgage lending in Creighton, MO
What are the current average mortgage rates for homebuyers in Creighton, MO?
Mortgage rates in Creighton typically align with national averages but can vary based on local lenders and property types. As of recent data, 30-year fixed rates in rural Missouri areas like Creighton generally range from 6.5% to 7.25%. It's best to check with local lenders like Community State Bank or regional credit unions for the most current rates and any special programs for rural properties.
Are there any special loan programs for first-time homebuyers in Creighton?
Yes, Missouri offers several first-time homebuyer programs that apply to Creighton residents, including the Missouri Housing Development Commission's (MHDC) First Place Loan program. These programs often provide competitive interest rates, down payment assistance, and tax credits. Additionally, USDA loans are particularly relevant for Creighton given its rural designation, offering 100% financing options for eligible buyers.
How does Creighton's rural location affect mortgage lending options?
Creighton's rural classification opens up unique mortgage opportunities, particularly USDA Rural Development loans which require no down payment for qualified buyers. Local lenders are also more familiar with appraising rural properties and handling unique situations like well and septic systems. However, you may find fewer lender options compared to urban areas, making local community banks and credit unions valuable resources.
What should I know about property taxes when getting a mortgage in Creighton?
Cass County property taxes in Creighton are relatively moderate compared to urban Missouri areas, typically ranging from 0.90% to 1.10% of assessed value. Your mortgage lender will factor these taxes into your monthly payment through an escrow account. It's important to note that agricultural properties may have different tax considerations, so discuss property classification with your lender.
Are there local down payment assistance programs specifically for Creighton homebuyers?
While Creighton itself doesn't offer city-specific programs, Cass County and Missouri state programs are accessible to local buyers. The MHDC offers down payment assistance through its Next Step program, and some local employers may have partnership programs. Many Creighton buyers also benefit from USDA loans that require no down payment, making homeownership more accessible in this rural community.
Why Choose a Mortgage Lender in Creighton?
Local Market Knowledge
Lenders who understand Creighton'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 Creighton and get competitive rates on your home loan.