Current as low as Mortgage and Home Equity Rates
FreeRateUpdate publishes the as low as mortgage and home equity rates and APRs we can verify from the lenders and brokers in our network. Individual terms vary; the details and assumptions behind each figure are available below.
| Purpose | Product | Term | As low as rate | APR* |
|---|---|---|---|---|
| Purchase | Fixed mortgage | 30 years | 6.375% | 6.549% |
| Purchase | Fixed mortgage | 15 years | 5.375% | 5.736% |
| Refinance | Fixed mortgage | 30 years | 6.124% | 6.306% |
| Refinance | Fixed mortgage | 15 years | 5.490% | 5.837% |
| Refinance | Fixed mortgage | 10 years | 5.250% | 5.737% |
| Cash-out refinance | Fixed mortgage | 30 years | 6.375% | 6.556% |
| Home equity | HELOC | Revolving | 7.000% | 7.000% |
| Home equity | Home equity loan | Fixed term | 8.125% | 8.532% |
Ask Hope Anything About Mortgage & Home Equity!
Hope could not take that just now. Your question is still in the box.
Hope is AI and can make mistakes. Please double-check responses. * Advertising Disclosure
PARTICIPATING LENDERS
Compare KS Mortgage Refinance Offers
Lower Your Interest Rate in Kansas
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Why should I lower my rate? |
Save money |
 |
Lower Payments |
Shorten Your Loan Term in Kansas
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
 |
Pay less interest |
Leverage Your Home's Equity in Kansas
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
 |
Pay for other debts or emergencies |
Kansas Mortgage Rates
Kansas offers a rich local history, some of the best barbecue in the country, and a low overall cost of living, so it isn’t difficult to understand the appeal of relocating to the Sunflower State. If you are thinking about purchasing a home in Kansas, there are several interesting programs available to help you make the most of your new home. A licensed loan officer can help you find the program that best meets your needs and Freerateupdate.com can help you find a licensed loan officer that serves your community.
Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.
Common Kansas Loan Types:
- Kansas conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
- Kansas FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
- Kansas VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Kansas Mortgage Rates
Mortgage pricing available in Kansas varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.