The Best Mortgage Lenders in Holts Summit, MO
Compare verified mortgage lenders serving Holts Summit, Missouri. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Holts Summit
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender known for its exceptional customer service and competitive rates, with a strong local presence in Central Missouri. They specialize in a wide range of loan products and have consistently high ratings for their efficient processing and personalized support. Their Columbia office serves Holts Summit residents with expertise in both purchase and refinance loans, backed by decades of industry experience and numerous awards for customer satisfaction.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is highly regarded for its fast closing times and community-focused approach, with a dedicated team serving the Holts Summit area. They offer a variety of loan options and are praised for their transparency and responsive service. Founded in 2008, they have built a reputation for reliability and innovation in mortgage lending, with local loan officers providing personalized guidance to ensure a smooth home financing experience.
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Veterans United Home Loans
Veterans United Home Loans
Veterans United Home Loans is a nationally recognized leader in VA loans and serves Holts Summit with unparalleled expertise in veteran and military home financing. They boast exceptional customer satisfaction ratings, thanks to their dedicated support, educational resources, and competitive rates. With over two decades of experience, they have helped thousands of homeowners in Missouri and beyond, offering a full suite of loan products and a commitment to community involvement.
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Frequently Asked Questions
Common questions about mortgage lending in Holts Summit, MO
What are the current average mortgage rates for homebuyers in Holts Summit, MO?
Mortgage rates in Holts Summit are generally competitive with national averages, but can vary based on the lender and your financial profile. As of recent data, 30-year fixed rates in the Jefferson City area (which includes Holts Summit) often range slightly below the national average. It's best to get quotes from local credit unions like Missouri Credit Union or Central Bank, as they may offer very competitive rates for the area.
Are there any first-time homebuyer programs specifically available in Holts Summit?
Yes, Holts Summit homebuyers can access the Missouri Housing Development Commission (MHDC) programs, which offer competitive interest rates, down payment assistance, and tax credits. These are available statewide, and local lenders in Callaway County are well-versed in them. Additionally, some local lenders may have their own first-time buyer incentives, so it's wise to ask.
How does Holts Summit's proximity to Jefferson City affect my mortgage and homebuying process?
Being part of the Jefferson City metropolitan area can be beneficial, as you have access to a wider variety of lenders and potentially more competitive loan products. Many Jefferson City-based banks and credit unions serve Holts Summit residents and understand the local market dynamics, including the steady demand driven by state government employment. This can mean smoother processing and more localized service.
What should I know about property taxes in Holts Summit when calculating my monthly mortgage payment?
Holts Summit, located in Callaway County, has property tax rates that are generally moderate compared to national averages. The combined city and county rate typically falls around 1.1% to 1.3% of assessed value. When getting pre-approved, your lender will help estimate these taxes to ensure your escrow payment is accurate, but it's wise to verify with the Callaway County Assessor's office.
Are USDA loans a viable option for homes in Holts Summit, MO?
Yes, USDA loans can be an excellent option as much of Holts Summit and the surrounding area is eligible for USDA rural development loans, which offer 100% financing. This is particularly attractive for buyers with limited down payment savings. You should check the USDA eligibility map for the specific property, but most of the town qualifies, making it a popular choice for local buyers.
Nearby Cities
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Why Choose a Mortgage Lender in Holts Summit?
Local Market Knowledge
Lenders who understand Holts Summit'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 Holts Summit and get competitive rates on your home loan.