Home Loan


Consistent Secure Rate Lower or No Down Payment Easier, Faster Qualification Flexible Loan Options Cash Out of Your Home's Equity Raving Fan Service from the Most Unusual Bank Around
FHA: If ease of qualification is important to you, our flexible FHA loan is a great option. x x x x x
Long-Term Fixed: With the security of a low & consistent payment, we've helped thousands of Guests with this popular finanicng option. x x
Short-Term Fixed: An excellent option if you want to pay off your home sooner, decrease interest payments, and still keep a consistent monthly payment. x x
Adjustable Rate Mortgage: Take advantage of our lowest rate possible with an ARM. If you're looking to move soon, this could be your smartest option. x x
Jumbo Loan: You have the ability to borrow a higher loan amount while taking advantage of today's low mortgage rates. It's a win-win! x x
HARP Loan: If you owe more than your home is worth this is the option for you. Take advantage with today's low rates. x x x x x
Reverse Mortgage: Specifically designed for homeowners aged 62 or older, this product eliminates the monthly mortgage payment and puts the cash in your pocket. x x x x x
VA Loan: Nearly all Veterans have access to the vast benefits of this product. Homeownership is made easy with our VA Loan option. x x x x x
FHA Streamline Refinance: Our easiest and fastest mortgage available. If you currently have an FHA loan, take advantage of today's low rates.  x  x  x  x x
USDA Loan: This flexible loan option is designed specifically for Borrowers looking to buy a home in a rural area. The USDA loan is one of the most beneficial financing options available. x x x x x
Home Equity Line of Credit: Our HELOC product provides peace of mind for Homeowners who have equity in their home. We give them the ability to have cash made available to them at their convenience. x x x x x
2nd Mortgage: When you need extra money in one lump payment, and you have equity in your home, this might be the perfect option for you. (Available in NM, MO, and KS only) x x x x x
Construction Loan: If you're looking to build your primary residence, we offer competitive financing options in the KS, MO, and NM markets. x x

FHA Loan

FHA Loans are easier to qualify for. If you don’t have a lot of cash for a down payment, if you don't have much equity in your current home, or if your credit isn’t perfect, you can still take advantage of this loan option.
  • Low down payment
  • Flexibility in credit, income, and equity/down payment requirements
  • 100% gift allowed for a down payment and closing costs
  • Includes a Mortgage Insurance Premium
  • Fixed Rate and Adjustable Rates are available

Fixed Rate Loan

With consistent payments and low interest rates throughout the life of the loan, the dependable Fixed Rate Loan is one of our most popular options.
  • Your interest rate and monthly principal and interest payments remain the same throughout your chosen loan term
  • Available in several term options
  • A good choice if you plan to stay in your home for many years
  • A low-risk product that protects you from rising interest rates

Adjustable Rate Mortgage Loan

Whether buying a home or refinancing your current mortgage, our ARM is perfect for the buyer who prefers a lower interest rate and monthly payment during the initial time period.
  • Your interest rate and monthly principal and interest (P&I) payments remain the same for an initial period of years, then adjust annually
  • You may be able to add an interest-only payment feature*
  • Provides flexibility if you plan to stay in your home for a short term, or if you expect future income growth
  • ARMs save you money with a lower initial interest rate than one of our typical fixed-rate mortgages

*If you make only the minimum payment, at maturity, you will be required to pay the balance in a single "balloon" payment.

Jumbo Loan

Borrow more! A Jumbo Loan provides financing for loan amounts higher than conforming loan limits. If you have a high property value, you should consider our Jumbo Loan product.
  • Provides a quick turnaround for your property financing
  • Borrow up to $3 million with our competitive rates
  • Consistent monthly payments available with our fixed rate Jumbo Loans
  • Lower your initial payments with our adjustable rate Jumbo option


Our Home Affordable Refinance Program (HARP) loan is the perfect solution for Borrowers who are “underwater” or owe more on their home than it is worth.
  • Reduce your monthly mortgage payment and interest rate
  • Refinance up to 150% of your home’s value
  • To qualify, you must have a mortgage owned or guaranteed by Fannie Mae or Freddie Mac
  • Your loan must have been sold to them on or before May 31, 2009
  • The current loan-to-value ratio on your mortgage must be greater than 80%
  • No mortgage payment could have been missed in the past 6 months, or more than one missed within the past year

Reverse Mortgage

The numerous benefits of a Reverse Mortgage loan, also known as a HECM (Home Equity Conversion Mortgage) is available to homeowners if you’re aged 62 or older and occupy the property as your primary residence.
  • Save money by eliminating your monthly mortgage payment**
  • Must have sufficient equity in your home
  • Enjoy the benefit of financial flexibility
  • Reverse Mortgages are Government Insured and approved by the Department of Housing and Urban Development (HUD)

**Borrower is still responsible to make tax and insurance payments in addition to maintaining the property.

Veterans Affairs (VA) Loan

Our VA Loan makes homeownership easy for Veterans . . . because you’ve earned it.
  • Save money with no Mortgage Insurance required
  • Keep your cash because there is no down payment—you can finance 100% of the home’s value
  • Guaranteed by the Department of Veterans Affairs
  • Interest rates are typically lower on VA Loan, which means substantial savings to your monthly payments

FHA Streamline Refinance

You won’t believe how quick and painless it is to save money. But it’s true—ask one of the thousands of families who we’ve helped lower their mortgage payment.
  • Available for properties currently in an FHA Loan
  • Save money with a lower rate and payment
  • Pay off your home faster
  • No appraisal required
  • Flexible credit requirements


A USDA Loan (also called a Rural Development Loan) allows you to purchase a home on a USDA designate area with flexible qualification requirements and 100% financing. Homeownership has never been so easy.
  • Purchase your home with no money down
  • Financing for closing costs is available
  • Competitive, low interest rates
  • Save money with no Mortgage Insurance requirements
  • Flexible credit qualifications

Home Equity Line of Credit (HELOC)

Our HELOC gives homeowners peace of mind. If you use our HELOC, you will have cash available to you when and if you need it. Don’t worry, we’ve got you covered.
  • You can borrow up to 80% of your home’s equity
  • Save money on your monthly payment by taking advantage of our Interest Only payment*
  • Maximum loan amount is $417,000
  • Currently available only in Kansas, Missouri, and New Mexico

*If you make only the minimum payment, at maturity, you will be required to pay the balance in a single "balloon" payment.

Second Mortgage Loan

If you are a homeowner and need fast cash, you would be an excellent candidate for our Second Mortgage Loan. This gives you relief by providing you with one lump payment of the equity in your home.
  • Borrow up to 80% of your home’s equity
  • Use the money to consolidate debt, make home improvements, or even start your own business
  • Fixed payments mean you are protected from interest rate increases
  • Maximum loan amount is $417,000
  • Currently available only in Kansas, Missouri, and New Mexico

Home Construction Loans

Looking to build the house of your dreams? We can help. With our construction loans, we offer competitive rates, and we’ll work with you to make the financing process as fast and as streamlined as possible.
  • Competitive, low interest rates
  • Currently available only in Kansas, Missouri, and New Mexico