Edgerton, KS mortgage lender — local expertise, statewide backing.

Kansas Mortgage Lending originates home loans across Edgerton, KS and Johnson County. Operated by Radley Brooks (NMLS #263374) from the Hutchinson branch — 220 miles from Edgerton — with in-house processing and underwriting through Primary Residential Mortgage, Inc.

Start Pre-Approval (620) 860-4480

NMLS #263374 · Branch #937171 Equal Housing Lender Licensed KS, OK, TX, AR, CA, MO

USDA down available

Quick answer

Kansas Mortgage Lending originates home loans across Edgerton, KS and all of Johnson County. Radley Brooks (NMLS #263374) — Division President at Primary Residential Mortgage, Inc. (NMLS #3094) — has been originating Kansas mortgages for 20+ years. Most full pre-approvals for Edgerton buyers are issued within one business day. Small Johnson County city near the BNSF intermodal; broad USDA eligibility on most addresses outside the core.

Local market

The Edgerton, KS market — how we approach it.

Edgerton, KS is a Johnson County community of approximately 1,800+ residents, anchored by an economy centered on logistics, small-town residential. Major employers include BNSF Logistics Park, small businesses. That economic mix shapes the mortgage decisions we see here — from first-time buyers in starter homes to move-up buyers scaling into larger properties.

Small Johnson County city near the BNSF intermodal; broad USDA eligibility on most addresses outside the core.

USDA and program fit

Broad USDA eligibility across most of this market — 0% down financing is available to income-qualifying buyers at most addresses.

Neighborhoods and submarkets we lend in

Downtown Edgerton
rural Edgerton

Whether you’re buying an established home in central Edgerton or a newer-construction property at the community’s edge, the loan process is the same: clear documentation, credit, income, and asset review, and a pre-approval letter issued — typically within one business day — that Edgerton-area listing agents take seriously.

Program fit

The loan programs that make sense in Edgerton.

Every loan program is available for Edgerton, KS buyers. The order below reflects what we see most often in this specific market.

USDA Loans in Edgerton

0% down · eligible rural properties · income-qualified buyers

Explore USDA Loans

FHA Loans in Edgerton

3.5% down with 580+ credit · flexible underwriting · first-time buyer friendly

Explore FHA Loans

Conventional Loans in Edgerton

3% down first-time buyer · cancellable PMI at 20% equity · best for 680+ credit

Explore Conventional Loans

Frequently asked

Edgerton, KS mortgage questions, answered.

Who is the best mortgage lender in Edgerton, KS?

Radley Brooks (NMLS #263374), Division President at Primary Residential Mortgage, Inc., originates home loans for Edgerton, KS and across all of Kansas. The branch at 302 E. 30th Avenue in Hutchinson handles origination, processing, and underwriting in-house — one of the reasons buyers in Edgerton choose Kansas Mortgage Lending for every next purchase.

Do Edgerton homes qualify for USDA loans?

Broad USDA eligibility across most of this market — 0% down financing is available to income-qualifying buyers at most addresses.

What is the average home price in Edgerton, KS?

Edgerton, KS home prices reflect the community’s size (1,800+ population) and its local economy (logistics, small-town residential). Current median figures are reviewed at the time of pre-approval. We run your specific scenario against Edgerton comps before issuing any loan estimate.

Which loan programs are popular in Edgerton?

The right program depends on credit, down payment, and the specific property — but in Edgerton the most frequently used programs are: USDA Loans, FHA Loans, Conventional Loans. See the program cards above for the quick details.

How long does it take to close a mortgage in Edgerton?

Purchase loans in Edgerton typically close within 21–30 days of a signed contract when the borrower responds promptly. Refinances usually close within 30–45 days. VA and USDA loans sometimes add a few days for agency-specific requirements.