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Mortgage Rate Assumptions
Rates shown assume a purchase transaction.
Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 75% for Conventional, 100% for VA, 96.5% for FHA; a minimum FICO score of 740; and a loan amount of $250,000 up to $484,350 for conforming loans, unless otherwise specified.
Annual Percentage Rate (APR) calculations assume a purchase transaction.
Rates may be higher for loan amounts under $250,000. Please call for details.
Rates are subject to change without notice.
Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
Subject to underwriter approval; not all applicants will be approved.
Fees and charges apply.
Payments do not include taxes and insurance.
Guaranteed Rate – 45 Day Rate Lock.
Rates based on property located in the Kansas City Metro area.
Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA and VA loans, as well as conventional loans where the loan to value is greater than 80%. Restrictions may apply.
For FHA loans, PMI is included in the quote and the upfront PMI is included in the monthly payment.
Fees below:
Appraisal Fee $560
Credit Report $55
Flood Certification 5.75
Title – Settlement Agent Fee $525 (Borrower can shop for)
Title – Lenders Title Insurance $300 (Borrower can shop for)
Lender Fee:
30 Year Fixed Conventional
$995
30 Year FHA
No lender fees
15 Year Fixed Conventional
$995
30 Year VA
$1195
What Clients Say About Us
“I wanted to let you know how impressed I was with the job everyone did at your company. I have refinanced several times in the past and usually pick the company that has the lowest rates. Of course I did the same when I chose your company. However, this time I received great service to go with the low rate.”
Mary & Tom R.
“Your company was so much more professional then the last mortgage company I used. Every question I asked was answered honestly and accurately. I would recommend you to anyone.”
Robert M.
“I just wanted to thank you for constantly following up with me. The last time I refinanced it seemed as if I always had to follow up with the mortgage company. Thanks for staying on top of everything and keeping things moving forward.”
