Buying a new home should be a pleasant experience.
When you are ready to buy a home, let us take care of the financing. We offer competitive home loans with terms designed to meet your individual needs. The Bank routinely participates in various First Time Homebuyers’ Programs.
We’d like to help make it that way by taking the worry out of applying for a mortgage. That’s why we would like you to take our Home BuyAbility Test. It will help you find out how much home is right for you, so you can feel more comfortable when you apply for your mortgage loan with us.
Select A Mortgage Loan To Fit Your Financial Situation. Before you apply for your mortgage loan, you’ll need to decide which type of loan may be right for you.
- Conventional Loans have a fixed rate and monthly payment for the entire life of the loan. It’s easy to budget for this type of loan because your payment will always be the same.
We recommend that you fax the completed application to 785-742-2391, place the application in our night drop box, or bring the application to the bank in person.
Do not email this application back to us unless you have access to an email system that can encrypt the document. Apply Now.
Once you know approximately how much home is in your price range, use the guide below or our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes and insurance are also not included on the chart, but may be added to your monthly payments.
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The above rates are for illustrative purposes only. They are based on the Annual Percentage Rate (APR) indicated for principal and simple interest with a term of 30 years. We offer a variety of mortgage plans.
Is Refinancing Right For You? Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage. For more details, speak to one of our mortgage loan experts at 785-742-2101. Apply Now.