Today’s Mortgage Rates
Rates effective as of:
Rates shown are for illustrative purposes only and assume excellent credit (740+ FICO), 20% down payment, 0 points, single-family primary residence. Actual rates vary. NMLS #227722 | Equal Housing Lender
Mortgage Calculators & Quick Tools
Start planning your home budget today; use our free and accurate mortgage calculator Kansas City to see a full PITI breakdown of your estimated payments.
What our Wichita clients are Saying
We have helped over 10,000 families finance their homes
Wichita Market Snapshot: December 2025
2026 Conforming Loan Limits (Sedgwick County)
| Loan Type | 2026 Limit |
|---|---|
| Conventional (Conforming) | $832,750 |
| FHA Loan | $524,225 |
| VA Loan | No Limit* |
*For borrowers with full entitlement.
Navigating Wichita’s Unique Property Landscape
The “Specials” Factor
Unlike many other Kansas cities, Wichita and its suburbs (like Derby and Andover) rely heavily on Special Assessments—or “Specials”—to fund infrastructure. These are taxes for sewers, streets, and lights that are added to your property tax bill. Many national lenders miss these in their DTI calculations, leading to rejected loans at the last minute. We calculate these on Day 1.
Aerospace & Military Specialist Lending
We understand the unique pay structures of Wichita’s biggest employers. We offer streamlined income verification for:
- Spirit AeroSystems & Textron Aviation: We understand overtime and union contract nuances.
- McConnell Air Force Base: VA Loan specialists with $0 down options and no monthly PMI.
- Koch Industries: Custom solutions for relocating professionals.
Where We Lead in Wichita Real Estate
College Hill & Riverside
Historic homes require historic expertise. We specialize in Jumbo Loans and renovation-friendly financing for these iconic Wichita districts.
Maize & NW Wichita
Growth is happening here. Ask about our Construction-to-Permanent loans for new developments in Maize and Goddard.
Delano & Downtown
Urban revitalization at its finest. Our FHA and Conventional 97 programs help young professionals secure Old Town lofts with as little as 3% down.
Understanding Your 2026 Mill Levy
For the FY 2025 budget year, Wichita property taxes are roughly distributed as follows:
- USD 259 (Schools): ~44.9%
- City of Wichita: ~28.7%
- Sedgwick County: ~25.1%
- State of Kansas: ~1.3%
Our team provides a full estimated breakdown of your monthly payment—including these taxes and insurance—so you know your true cost of ownership before you sign.