Capital Home Mortgage Kansas

Kansas Home Loans
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Kansas Mortgage Lender

Home Loans in Kansas

Welcome to Capital Home Mortgage Kansas, where we strive to provide Kansas Home Loans to Kansas homebuyers and homeowners at competitive rates and fees while giving great service.

First and foremost, we’d like to thank you for the opportunity to earn your business.  We understand that acquiring a house is the most important decision of most people’s life, which is why Capital house Mortgage Kansas offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be fun rather than stressful.

Capital Home Mortgage Kansas, as a direct Kansas Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Kansas is a full-service Kansas Mortgage Lender that offers a comprehensive range of mortgage products as well as competitive Kansas Mortgage Rates.  Whether you are a first-time purchaser seeking a Kansas FHA Home Loan, looking for a rural property and needing an Kansas USDA Home Loan, a Native Kansasan wanting to use the HUD 184  Kansas Native American Home Loan, an active or retired veteran in need of a Kansas VA Home Loan, or a seasoned buyer in need of a Kansas Conventional Home Loan, we are here to help. 

Call today (316) 261-5400 to speak with our Kansas Loan Officers.

Kansas, the Sunflower State, is  located in the center of the United States, bordering Nebraska to the north, Missouri to the east, Oklahoma to the south, and Colorado to the west.  The state’s landscape is characterized by vast plains interspersed by rolling hills.

Topeka is Kansas’s capital city.  Wichita is the largest city in the state and a major economic and cultural center.

Kansas has long been noted for its agricultural interests. The state is a top producer of wheat, corn, and soybeans.  Aside from agriculture, the state’s economy has diversified throughout the years, with businesses like as aviation, manufacturing, and energy playing important roles.

Kansas is home to various institutions, such as the University of Kansas in Lawrence and Kansas State University in Manhattan.  The state values education, and its educational institutions support research and development.

Kansas has a diverse cultural past that draws from Native American, European, and African American cultures.  The state is well-known for its contributions to country music and has a thriving arts and culture sector.

Kansas boasts a number of natural attractions, including the Flint Hills, a one-of-a-kind ecosystem featuring tallgrass grasslands.  The state also has numerous parks, lakes, and outdoor recreation places.

Like many parts of the United States, the real estate market in Kansas can be influenced by national economic trends.  Factors such as job growth, interest rates, and overall economic conditions play a role in shaping the real estate market.

Cities like Wichita, Topeka, and Kansas City (which spans both Kansas and Missouri) have their own real estate dynamics.  Job opportunities, amenities, and infrastructure development can impact the demand for housing in urban areas.

In rural parts of Kansas, agricultural land and properties may also be part of the real estate market. Farming and ranching are significant contributors to the state’s economy.  Economic stability, job growth, and industry development in the state can affect the real estate market.

Thank you again for allowing us to help you with your Kansas Home Loan.

Kansas Home Loans

Kansas Conventional Home Loans

Kansas Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Kansas FHA Home Loans

Kansas FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Kansas FHA home loan is consistent employment history and documented income.

Kansas VA Home Loans

Kansas VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Kansas.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Kansas USDA Home Loans

Kansas USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Kansas Jumbo Home Loans

A Kansas Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Kansas Non QM Home Loans

Kansas Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Kansas Native american Home Loans

A Kansas Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Kansas Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Kansas One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Kansas One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Kansas HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Kansas Mortgage Rates

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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Kansas Home Mortgage Programs

Kansas Home Purchase loans

Looking to Purchase a Kansas Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Kansas Renovation Home Loans

Looking to Rehab a Kansas Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Kansas FHA Home loans

Great 1st Time Kansas Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Kansas va Home Loans

100% Financing for Kansas Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Kansas Conventional Home loans

Kansas for Kentucky Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Kansas Jumbo Home Loans

Kansas Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Kansas USDA Home loans

Kansas 100% Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Kansas Native american Home Loans

Kansas Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Kansas Manufactured Home loans

Great Kansas Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Kansas Reverse Mortgage Loans

Your Kansas Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Kansas Non QM Home loans

Making Kansas Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Kansas One Time Close Home Loans

Build Your Kansas Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Kansas Refinance Mortgage loans

Kansas Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Kansas Cashout Mortgage Loans

Kansas Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Kansas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Rebecca Solomon

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Kansas Mortgage Company Reviews

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topeka Park Home Loans

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State Specific Mortgage Information
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