Now it’s time for our regional best home mortgage rates search here at Peak Personal Finance to turn to finding the best home loans in Kansas.

As usual, we are assuming home values on par with regional prices, good credit of 700 or higher (FICO), and ranking loans by annual percentage rate (APR) rather than interest rate. We find that APR is a better indicator of actual interest cost over time versus the lower “interest rate” listing often given in advertising. The ability to pay up to 20% in down payment (or equivalent equity) is also assumed, as well as any fees required.

30 Year Fixed Best Home Mortgage Rates in Kansas
Bank Midwest has a nice 5.03% APR offer with no points and fees under $1,000 ($553 for a $165,000 loan) and a 30-day lock in period.

Capital Federal Savings has a 5.139% APR with no points and even lower fees (about half the above) and a sixty day lock in period.

Nationwide Advantage Mortgage has a 5.15% APR with 1 point and fixed fees of $1,275 and a 45-day lock.

15 Year Fixed Best Mortgage Rates in Kansas
For this term, Capital Federal Savings has a 4.524% APR with their low fees and no points. Bank Midwest is close behind at 4.55% APR and similar terms.

CapWest has a 4.568% APR with no points and fees of only $749.

5/1 Adjustable Rate (ARM) – Best Home Loans in Kansas
If an adjustable rate mortgage is right for you, the best offer is likely at CapWest Mortgage at 3.739% APR with no points and fixed fees of $749. A 30-day lock in is available. Commerce Bank also has a 3.883% APR with 0.25 points and low fees (by percentage) plus a 60-day lock in period.

Buying a home is a serious financial decision and good advisors should be consulted. Your situation will vary, so the above numbers are only a guideline and your mortgage broker or bank will have terms specific to your situation and needs.