(913) 599-0001
 30 Year Fixed %
 20 Year Fixed %
 15 or 10 Year Fixed %
 FHA / VA 30 yr Fixed Rate %
If you would like more information, give us your name and phone number and we'll get back to you in 24 hours or feel free to give one of our loan consultants a call.

Your Name:
Your Phone Number:
Click here for our easy loan payment calculator!

Step 1: Qualifying

Before you start shopping for your dream home, it is a good idea to determine how much you can afford to borrow. Many borrowers choose to pre-qualify for a loan amount even before they find a property, so that they do not waste time looking at homes that they cannot afford. Our online process takes just seconds and can be used for negotiating with real estate agents and sellers. You can also call one of our qualified loan professionals for personalized service, or check out our calculators for help determining how much you can afford to borrow. We will have you pre-approved the same day.

Step 2: Finding and Securing the Right Property

Once you know how much you can afford, you are ready to find a property. When searching for a house, we suggest that you consult a professional real estate agent (we have several to recommend). We also recommend that you make a list of those factors that are important to you - i.e. location, number of rooms, size of rooms, proximity to your job, the quality of the school district - and then rank those items in order of importance. If you are considering an out-of-state relocation, you may also want to research "hidden" cost-of-living increases, such as utility prices, car insurance rates and property taxes.

Step 3: Applying for a Loan

Our online app is a quick, easy and safe way to start the loan process. You will need to answer a few questions about yourself and the property you are interested in buying, as well as some basic questions about your employment and finances. Once we receive your completed form, we assign a loan specialist to your file and request a copy of your credit report. Upon receiving the application and reviewing your credit history, your personal loan specialist will call you within 24 hours to discuss the details of your loan. Of course, you can always call us for assistance or to complete the form over the phone.

Step 4: Selecting a Loan Program

There are a number of factors to consider when determining which loan program is best for you: the relationship between interest rates and points, the length of time you plan to stay in the home, your financial status, credit history and the list goes on. The good news is that you do not have to figure all this out on your own. Our experienced loan specialists are trained to ask the right questions and help you evaluate these factors. We will work with you to select the right loan product for your needs and help you decide whether to lock or float your rate until closing.

Step 5: Loan Processing

Your personal loan specialist will send you a package of documents that will provide you with information about the loan for which you have applied, along with a list of documents required for your application to be complete, please return this as quickly as possible. As always, your loan officer will be available to answer any questions you may have, and they will work with you to complete all necessary paperwork.

Step 6: Approval and Clearing to Close

This is the "home" stretch! Once your documentation has been received we will submit it to underwriting and we will notify you if any additional documentation is required by the underwriter. Our closing department will review certain legal documents, such as the appraisal and title report for your new home, and you will be ready to close. Your closer will contact you to schedule a closing date.

Step 7: Closing

The closing is the most crucial step in the mortgage process, because legal documents are signed and substantial amounts of money exchange hands. It is also the most exciting step, because it is the only thing standing between you and your new home. The closing is held at one of our approved settlement agent offices, usually a title company near your home. We may not be present at the closing, but we will deliver our loan documents and wire transfer your loan funds to the settlement agent.

Buying a home can be a painless process if you are prepared. Play it smart, work with a reputable lender and ask the advice of your loan professional whenever you are in doubt.

Kansas Licensed Mortgage Company MC0002252

Missouri Licensed Mortgage Company 11-1849

NMLS # 245406