Buy Your Home
We make the home buying process easier with our Pre-Qual PLUS program, allowing you to shop with confidence.
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Let Us Guide You Every Step of the Way
Are you considering purchasing a home, refinancing to tap into your home's equity, or looking to lower your mortgage payment? Our Team of experts can help!
With our team of mortgage loan experts, we aim to guide you quickly and simply through the loan process. We understand that the mortgage loan process can be daunting, and we're committed to making it as seamless as possible.
So, whether you are just starting out with your first home purchase, purchasing an investment property, refinancing, or buying up or downsizing, we are here to help you every step of the way. We know every borrower is unique and we are here to ensure you get the personalized loan solution that fits your unique needs.
Refinance Your Mortgage
Lower your mortgage payment or tap in to the equity in your home, we make the refinance process quick and simple.
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Home Equity Line of Credit
From renovations to repairs, a HELOC gives you convenient access to your home’s equity when projects come up.
Consumer Loans
Looking for a loan beyond a home loan? Our consumer loans and lines of credit offer flexible solutions for life’s needs.
Get Started Today!
| Here at Security Bank of Kansas City, we have a variety of loan options to discover: | ||
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| Conventional Loan | Home loans for seasoned and first-time borrowers offering flexible loan terms | Conventional loans offer flexible loan terms and down payment options for first time home buyers as low as 3%. Loan programs are designed for borrowers with good to excellent credit and require Mortgage Insurance (PMI) for loan-to-values over 80%. Eligible property types include Primary residence, Second homes, and Investment properties. |
| VA Loan | Loans backed by the U.S. Department of Veterans Affairs (VA) for veterans, service members, and eligible surviving spouses | VA loans are government-backed mortgages for veterans, active-duty service members, and eligible surviving spouses. Benefits include an option for $0 down payment with no requirement for private mortgage insurance (PMI) and limitations on closing costs. Loans may require a one-time Funding fee which can be rolled into the loan. Eligible property types are primary residences. |
| FHA Loan | Loans insured by the Federal Housing Administration, designed for low-to-moderate-income borrowers or those with lower credit scores. | FHA loans are government-backed mortgages insured by the Federal Housing Administration, designed to make homeownership accessible for buyers with lower credit scores, limited savings for a down payment and/or higher debt-to-income ratios. Upfront and monthly mortgage insurance is required. Eligible property types are primary residences. |
| Jumbo Loan | For larger loan amounts greater than the conforming loan limit | Jumbo loans have loan amounts that exceed the local "conforming loan limits" set by the Federal Housing Finance Agency (FHFA). Designed for borrowers with good to excellent credit who have a minimum down payment of at least 20% and may require cash reserves. Eligible property types include Primary residence and Second homes. |
| First-Time Homebuyer Loan | Special programs for First-time home buyers. | Loan programs available are, FHA loans with a low minimum down payment of 3.5%, Conventional loans available through Fannie Mae and Freddie Mac with as little as 3% down, and VA loans with a 0% down option. |
| Fixed-Rate Loan | Fixed-Rate Loan for Predictable Payments | A fixed-rate home loan guarantees your interest rate remains constant throughout the life of the loan. This ensures the principal and interest portion of your monthly payment won’t change. |
| Adjustable-Rate Loan | An Adjustable-Rate Loan offering a Lower Initial Rate | An adjustable-rate mortgage (ARM) is a home loan in which the initial interest rate is fixed for a specific period of time and then becomes variable based on a margin over a predefined index. Interest rate increases are capped annually and for the lifetime of the loan. 5 and 7 year ARMs are the most common. |
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For Loan Amounts
$0 - $832,750
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Rate
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Annual
Percentage Rate (APR) |
Points
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Example Monthly
Payment Schedule |
|---|---|---|---|---|
| 30-Year Fixed Rate | 6.375% | 6.539% | 0 | 360 Payments of $623.87 |
| 15-Year Fixed Rate | 5.625% | 5.889% | 0 | 180 Payments of $823.73 |
| 7-Year Adjustable Rate | 6.250% | 8.720% | 0 | APR subject to increase based on current market conditions, 84 payments of $615.72 and 276 payments between $452.00 and $914.00 |
| Note: If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Example: The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $100,000 and an estimated property value of $125,000. The property is an existing single family home and will be used as primary residence. The examples in the table may not reflect your actual APR, Interest Rate, and Finance Charge. APR and Interest Rates in the example were effective on . | ||||
Home Loan Calculators That Bring Clarity
Make smarter home‑financing decisions with our collection of easy‑to‑use home loan (mortgage) calculators. Whether you're estimating payments, comparing loan options, or planning for the future, these tools give you clear insights every step of the way.
| Reach out to our Home Lending Team today! |
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Call Us
(913) 652-4950
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