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Wichita Kansas Mortgage Lender

Home Loans In Wichita, Kansas 

Wichita is the largest city in Kansas. The city is known as the “Air Capital of the World” because it is an industrial hub for aircraft manufacturers like Textron Aviation, Airbus, Learjet, and Boeing.

Wichita’s housing situation has mainly been a seller’s market in the wake of the pandemic. With interest rates going lower than ever before back in 2020, the market has seen an influx of buyers. The Wichita State University’s Housing Market Forecast reports that there would be no expected decrease in home prices for 2022 and the years after. To that end, they recommend buyers to move fast since most houses sell very quickly.

Is owning a home in Wichita among your plans this year? Capital Home Mortgage can help you secure the financing you need to close the deal as soon as possible. To help you get started, let’s walk you through the general steps in obtaining a mortgage loan in Wichita, Kansas. 

4 Steps To Securing Your Wichita Home Loan

Securing a home loan can take time, especially if you don’t know what the process entails. While lenders will typically have their procedures, obtaining a mortgage loan usually includes the following steps: 

  • Step 1: Get Pre-approved

Pre-approval is the process when the lender will give you a quote for the mortgage loan. The lender will evaluate your income, assets, and credit history during pre-approval. Based on the analyzed information, they’ll give you a quote of how much they’re willing to extend to you. 

The pre-approval letter will also contain details about the principal amount, interest rate, loan term, and other vital pieces of information.

Being pre-approved boosts your image to sellers because they know you can obtain the funding needed to buy the house. Also, having an amount in mind will narrow down your search when house hunting.

  • Step 2: Find A Property

Once you have the approval letter, you can start looking for houses based on the maximum amount that the lender is willing to extend to you. 

There are different ways to go about this. You could do a quick online search for homes for sale in Wichita. You could drive around looking for houses with banners if you have a neighborhood in mind. The most effective would be to hire a real estate agent to search. 

When you find the right home, you can contact the seller and begin negotiations. 

  • Step 3: Underwriting

The lender’s underwriters will take a closer look at your finances and the details of the house you want to buy. During this stage, you’ll have to provide documentation that would prove your income and ownership of assets. 

The lender will also appraise the property, verify the house’s title, and inspect the property as prescribed by state laws.

  • Step 4: Closing

The closing meeting is the conclusion of the mortgage application. Bring identification and the down payment. Also, bring extra funds for the closing costs. 

After signing the contract, you’re now a homeowner in Wichita.

Wichita, Kansas Mortgage Lender

Getting a home loan in Wichita is more straightforward and generally faster when going through Capital Home Mortgage. We offer a wide selection of mortgage products, including VA, USDA, FHA, Conventional, and Jumbo home loans

As a direct mortgage lender, we process and fund all mortgage applications from start to finish. We also offer competitive interest rates and charge lower processing costs.

Apply For A Home Loan In Wichita

You can either apply online or over the phone and get started on the path to homeownership. Talk to our Wichita loan officers to discuss your home loan needs today. Contact us now at (316) 261-5400 to get started with a no-obligation quote on your loan.

Why Wichita is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Wichita Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Wichita Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Wichita Mortgage Rates

Capital Home Mortgage Wichita is dedicated to offering Great Wichita Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Wichita Kansas Mortgage Loans

Wichita Home Purchases

Buying a Wichita Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Wichita Renovation Home Loans

Wichita Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Wichita FHA Home Loans

1st Time Wichita Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Wichita VA Home Loans

100% Loans for Wichita Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Wichita Conventional Home Loans

Flexibility for Wichita Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Wichita Jumbo Home Loans

Great Wichita Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Wichita USDA Home Loans

Wichita Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Wichita Native American Loans

Wichita HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Wichita Manufactured Home Loans

Wichita Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Wichita Reverse Mortgages

Your Wichita Home at Work

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Wichita Cash-Out Refinance

Wichita Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Wichita Mortgage Refinance

Wichita Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

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