Getting the right mortgage for a Kansas home a little more difficult than you thought? Annoyed with WebPages that don’t help you find what you are looking for? That is why Mortgage-Info.us is here. So if you are looking for lenders, Mortgage Rates, or Mortgage Brokers – we got it. Plus when you fill out a mortgage quote form from Mortgage-Info.us, we will get you offers from 2-4 different lenders, meaning you will be able to choose the rate that you want.
Featured Mortgage Lenders in Kansas
Kansas Mortgage Quick Facts
Kansas State Population: 2,688,418
Median Kansas Home Price: $83,500
Kansas Home Ownership Rate: 69.2%
Types of Mortgage Loans Available in Kansas
- Fixed Rate
- Adjustable Rate
- Interest Only
- Cash out
- Home Purchase
- Reverse Mortgage Loans
- Home Equity Loan
- Special Mortgage Loans
How Your Credit Score Affects Your Mortgage Rate
To begin with you need to know what your current credit score is. You should compare that with the average Kansas credit score which is 682. The average national credit score is 677. Your credit score will impact what your home mortgage rate could be. Historically, home mortgage rates have ranged from 5% to over 13%. Kansas and national mortgage lenders create their home mortgage rates by using the Federal Discount Interest Rate (FDIR) and then raising it by using a secret formula to create their own home mortgage rate. When you apply for a home mortgage loan, your home mortgage rate will be determined by a whole host of factors, including your credit score.
Kansas Mortgage State Laws
Fair Housing Act (FHA)
Lenders may not discriminate against buyers based on religion, race, sex, color, familial status, or national origin.
US Department of Housing and Urban Development (HUD)
HUD has approved high loan limits for loans insured by FHA
Foreclosures in Kansas are frequently rendered judicially. The court proceedings may take seven to eight months. The borrower may remain on the property during that time. Deficiency judgments are allowed. The lender may sue for any gap between the foreclosure sale price and the amount still due the lender. Borrowers have right to redemption. The period allowed for redemption varies based on how new the mortgage is.
Kansas Mortgage Fraud Office
White Collar Crime Supervisor
Kansas City, MO 64105-1362
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This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.