The Best Mortgage Lenders in Fillmore, MO
Compare verified mortgage lenders serving Fillmore, Missouri. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fillmore
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. With over 28 years in business, they have a strong presence in the Midwest and specifically serve the Fillmore area through their Kansas City operations. They are highly praised for their efficient loan processing, personalized guidance, and wide range of loan options, making them a preferred choice for homebuyers in rural and suburban Missouri communities.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly-rated lender with a strong regional footprint in Missouri, including service to Fillmore. Founded in 2008, they are recognized for their quick loan approvals and excellent customer satisfaction. Their local Kansas City team provides tailored mortgage solutions, competitive rates, and a streamlined process, particularly benefiting homebuyers in smaller communities like Fillmore with options like USDA loans for rural areas.
Loan Types:
Hawthorn Bank
Hawthorn Bank
Hawthorn Bank is a trusted regional bank with deep roots in Northwest Missouri, serving Fillmore and surrounding areas since 1999. They offer personalized mortgage services with a community-focused approach, competitive rates, and a variety of loan products. Their long-standing reputation for reliability and local expertise makes them a top choice for residents in Andrew County, providing dedicated support for both purchase and refinance needs.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Fillmore, MO
What are the current mortgage rates like in Fillmore, MO compared to the national average?
Mortgage rates in Fillmore typically align closely with national averages, but local lenders may offer competitive rates due to lower operational costs in rural areas. As of recent trends, rates in Andrew County are generally 0.125% to 0.25% below major metropolitan areas. It's best to check with local credit unions like Pony Express Community Bank for the most current Fillmore-specific rates.
Are there any special loan programs for first-time homebuyers in Fillmore?
Yes, Missouri offers the MHDC First Place loan program which provides competitive interest rates and down payment assistance for qualifying first-time buyers in Fillmore. Additionally, USDA loans are particularly relevant here since Fillmore qualifies for rural development loans that offer 100% financing with no down payment required for eligible borrowers.
How does Fillmore's rural location affect the mortgage approval process?
Fillmore's rural classification can impact appraisals since comparable properties may be limited, potentially requiring appraisers to look at nearby towns like Savannah or Rosendale. Lenders may also require additional documentation for properties with wells and septic systems, which are common in the area. However, the process typically proceeds smoothly with local lenders familiar with Andrew County properties.
What property types are most common for mortgage lending in Fillmore?
Most mortgages in Fillmore are for single-family homes on larger lots, often with acreage, and many include outbuildings like barns or workshops. Manufactured homes on permanent foundations are also common, though they may require specialized lending. Traditional farmhouses and ranch-style homes dominate the local housing inventory available for mortgage financing.
Are there any local property tax considerations I should know about when getting a mortgage in Fillmore?
Andrew County property taxes are relatively low compared to urban Missouri areas, typically ranging from 0.80% to 1.10% of assessed value. However, agricultural land assessments differ significantly from residential, which is important if you're purchasing property with acreage. Your lender will help estimate property tax payments for your escrow account based on the specific property's classification.
Why Choose a Mortgage Lender in Fillmore?
Local Market Knowledge
Lenders who understand Fillmore'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 Fillmore and get competitive rates on your home loan.