We Have the Right Loan for Your New Home or Refinancing Needs
Whether you're buying a new home or looking to refinance, we offer a variety of home loan options designed to fit your needs and financial goals. Let us help you navigate the process with ease and find the right solution for your unique situation. We are licensed in the states of Missouri and Kansas and are proud to serve the surrounding communities of Harrisonville, Pleasant Hill, Lone Jack, Belton, Louisburg and all of Cass and Bates County with their home financing needs.
Home Loans Fit for Every Buyer
As a mortgage broker, we have a wide range of home loans available to fit every need, from First-Time Home Buyers to loans for veterans, and those that may have issues with their credit scores. Whatever the loan needs, we have made it our mission to help make home buying accessible for everyone.
Conventional Loans
These are the most widely used loans by home buyers. You can utilize conventional loans for most types of homes you choose to buy, from investment properties to primary and secondary residences. They are great loans for homebuyers with a solid credit score and a down payment. They are not backed by the government, offering flexible terms and potentially lower costs over the long term. They are ideal for buyers who want to avoid private mortgage insurance by putting down 20% or more.
Benefits:
Flexible loan terms, competitive interest rates, and no mortgage insurance if you meet the down payment requirement.
FHA Loans
FHA loans are backed by the Federal Housing Administration and are designed to be far more flexible and accommodating for buyers with lower credit scores or smaller down payments. With as little as 3.5% down, this is a great option for those looking to enter the housing market with more forgiving requirements and is great for first-time home buyers.
Benefits: As low as 3.5% down payment, easier qualification process, and flexible credit score requirements.
VA Loans (Veteran Loans)
Available to veterans, active military members, and their families, VA loans offer 100% financing with no down payment required. These loans come with favorable terms and don’t require private mortgage insurance (PMI), making homeownership accessible for those who have served. These loans are for primary residences only.
Benefits: No down payment, no PMI, competitive interest rates, and flexible credit requirements.
First-Time Home Buyer Loans
We have to admit, we love working with clients that are buying their very first home. It’s an exciting time, and while navigating the home-buying process can be daunting, our loan officers are happy to help answer any questions and are accessible at anytime, day or night.
Benefits: Low down payment options, flexible credit requirements, and access to special programs for first-time buyers.
USDA Loans (Rural Development Loans)
USDA loans are designed for buyers looking to purchase homes in eligible rural areas. These loans offer 100% financing, meaning no down payment is required, and come with lower interest rates to encourage rural development.
Benefits: $0 down payment, low-interest rates, and support for homebuyers in rural communities.
Jumbo Loans (Luxury Homes)
A Jumbo Loan is perfect for buyers looking to purchase luxury homes that exceed the conventional loan limits. These loans offer financing for higher-priced properties but often come with stricter credit score and income requirements.
Benefits: Finance larger homes with a single loan, competitive rates for high-value properties, and no need for multiple loans.
Refinancing Made Simple - Explore Your Options
Refinancing your home can be a smart way to lower your monthly payments, access your home's equity, or adjust your loan terms. We're here to guide you through the process and help you find the best option that fits your financial goals.
Rate-and-Term Refinance
A rate-and-term refinance allows homeowners to lower their interest rate or adjust their loan terms to save on monthly payments or pay off the mortgage faster. This option is ideal for those looking to improve their financial situation, and build wealth through homeownership.
Benefits: Lower interest rates, reduced monthly payments, or shortened loan term for faster payoff.
Cash Out Refinance
A cash-out refinance unlocks the potential of your home’s equity, giving you the cash you need to pursue your dreams and financial goals. Whether you’re looking to consolidate debt, fund a major renovation, start a business, invest in real estate, or pay for education, this option puts your home’s value to work for you.
Benefits:
Access cash from your home’s equity to fuel your ambitions, consolidate debt, or make significant purchases—all while potentially lowering your interest rate. Turn your home into a powerful tool for building your future!
We have several refinance options available and will help guide you through the best options for your specific situation.
