| Home Loan Products: Conventional Loan (In-House)
If you want the simplest application process, this product is for you.
Requirements:
- Employment: 2 years or in same line of employment
as with previous employer
- Income: No Maximum Constraints
- Housing Ratio: 28%, Debt Ratio: 36%
- Down Payment: 20-30%
- Monthly Mortgage Insurance: If loan amount exceeds
80% of appraised value
- Rate: Fixed or Variable
Pre-qualify for this Program
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Conventional Loan (Secondary Market)
Our most popular mortgage loan product.
Requirements:
- Employment: 2 years or in the same line of employment
as with previous employer
- Income: No Maximum
- Housing Ratio: 28%, Debt Ratio: 36%
- Down Payment: 5%-20%
- Terms: Long Term Financing Available
- Rates: Fixed/Variable
- Monthly Mortgage Insurance: Varies
- Loan Amount: Maximum Constraints
Pre-qualify for this Program
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FHA Loans
Requirements
- Down Payment: as little as 3%
- Loan Amount: Maximum Constraints
- Debt Ratio: 41%
- Terms: Long Term Financing Available
- Rate: Fixed
Pre-qualify for this Program
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Veteran Administration Loans (VA)
Only veterans may qualify for this program.
Requirements:
- Down Payment: None
- Loan Amount: Maximum Constraints
- Debt Ratio: 41%
- Terms: Long Term Financing Available
- Rate: Fixed
Pre-qualify for this Program
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 Borrower(s)
will be required to pay for the following expenses:
- Appraisal of property
- Credit report on applicant(s)
- Termite Inspection
- Filing Fees
- Flood hazard certification
- Title ins., title opinions/abstracting fees
- Loan origination fees and discount points
- Inspection/surveying fees
- Guarantee fees
In order to increase the speed and efficiency of your application process, please
provide the following at our initial meeting:
- Completed real estate loan application
- Prior three year's tax returns
- Three of your most current pay receipts/stubs
- Signed purchase agreement, if applicable
Geographic Limitations
Home Loans: Our primary lending area is the southeast corner of Reno
County more specifically described as BNA number 0014.00 and in the city of Wichita,
Sedgwick, County covering zip codes of 67223, 67205, 67235, 67212, 67209 . We will also
accept applications outside that area within the borders of Kansas.
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