Garnett, KS Mortgage Rates and Refinance Rates

Mortgages in Garnett, KS: Find the best Garnett, KS mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Garnett, KS, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Garnett, KS. Another option is searching for Garnett, KS refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Garnett, KS mortgage rates or refinance rates.

Search and Compare Garnett, KS Mortgage Rates & Refinance Rates

Garnett, Kansas Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Garnett, KS are the most popular type of mortgages rates you can find advertised for home buyers in Garnett, KS. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Garnett, KS mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Garnett, KS banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Garnett, KS conforming mortgage rates and refi rates lower than Garnett, KS jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Garnett, KS home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Garnett, Kansas

Jumbo mortgage rates in Garnett, KS are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Garnett, KS and adjustable mortgage rates in Garnett, KS. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Garnett, KS make.

Garnett, Kansas Fixed Mortgage Rates and Fixed Refinance Rates

Garnett, KS fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Garnett, Kansas Adjustable Mortgage Rates

Adjustable Garnett, KS mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Garnett, KS are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Garnett, KS. Most adjustable mortgages in Garnett, KS have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Google Map for Garnett, KS Rates & Resources

Garnett FDIC Insured Banks

Bank Name

FDIC Cert Number


Garnett State Savings Bank

17317 106 East 5th Street, Garnett, KS 66032

Garnett State Savings Bank

17317 202 North Maple, Garnett, KS 66032

Patriots Bank

18019 113 South Maple, Garnett, KS 66032

Patriots Bank

18019 131 East Fourth Avenue, Garnett, KS 66032

The Farmers State Bank of Blue Mound

17629 517 Oak Street, Garnett, KS 66032