Mortgages
Free Homebuying Webinar
Free Homebuying Webinar
April 18, 2024 | 12:00pm - 1:00pm
Join us for a discussion on the basics of homebuying. Plus, you'll receive $5001 toward closing costs just for attending!
April 18, 2024 | 12:00pm - 1:00pm
Join us for a discussion on the basics of homebuying. Plus, you'll receive $5001 toward closing costs just for attending!
Where Are You in the Homebuying Process?
Trust One of Kansas City’s Top Mortgage Lenders
As the Official Mortgage Lender of the Kansas City Chiefs, we take great pride in helping our members put down roots in our community. Our team includes local lenders and processors, so you can rest assured we’ve got the expertise on the local housing market. So, whether you’re looking for your first home, your next dream home or even to refinance your current home, we have the expertise and the resources to help you get there. Here’s what you can expect from a mortgage with us:
Apply Now - Competitive mortgage rates
- Local servicing
- Valuable experience as a top Kansas City mortgage lender
- An increased share of our Profit Payout*– qualified mortgage households earn an average Profit Payout of $289
Find the Best Mortgage Rate
Pairing the perfect loan with your perfect home is no easy task, which is why we’re here to make the process as easy and convenient as possible. To see rates specific to your personal situation, enter your information in our handy online tool. Once you’ve found the rate that’s right for you, apply online to get pre-qualified.View Rates
Your Mortgage Advisor is Here to Help Every Step of the Way
Get Pre-Qualified for Your Dream Home
Be ready when you find the house that’s right for you by getting pre-qualified for a mortgage with CommunityAmerica. Having a pre-qualification in hand before you hit the market will give you a more accurate idea of your home hunting budget, as well as provide proof to agents and sellers you’re serious and financially ready to buy a home. We make the process simple – it only takes about 20 minutes to complete our online application.Apply For Pre-Qualification
Homebuying Resources
Mortgage Payment Calculator
Crunch the numbers to see your potential monthly mortgage payment.
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Home Affordability Calculator
Determine how much of a mortgage you may be able to obtain.
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Blog Posts
You can find more mortgage info, tips and tricks by checking out these related blog posts.
Read More 
Profit Payout
A mortgage with us could help you increase your share, with qualified mortgage households earning an average Profit Payout* of $289.
Estimate Payout 
Refinance Your Mortgage With Us
Make the move to a better rate.
Our experienced mortgage loan experts love to save people money, so let’s see if refinancing your mortgage could help you save money. Our online mortgage refinance calculator is a great place to start. Refinancing can also give you the opportunity to lower your interest rate and monthly payments, change the term of your mortgage, eliminate Private Mortgage Insurance (PMI) or cash out on your home’s equity. And don’t forget, having your mortgage with us may help you increase your share of our Profit Payout. Whatever your reason for refinancing, we can help you find the option that’s best for you.
First-Time Homebuyer
Trust our team of Kansas City mortgage experts.
Buying your first home is one of the biggest investments you’ll make, which is why our knowledgeable mortgage lenders are here to walk you through each step in the homebuying process. Plus, our First-Time Homebuyer Loan1 features an adjustable rate with down payment options as low as $500. It’s flexible and friendly, with a 100% Loan to Value (LTV)2. Try out some of our handy online mortgage calculators to help you set your homebuying budget and estimate your monthly mortgage payments. When you’re ready to get started, we’re ready to help.
Mortgage Loan Options
One of the first steps in the mortgage process is figuring out whether a fixed rate or an adjustable rate is right for your situation.3
Fixed Rate: Offers stability and peace of mind. A fixed rate means consistent payments throughout the life of the loan. We have many terms and rates available for fixed rate mortgages.
Adjustable Rate: Provides lower rates with shorter terms. Your rate is locked for a set amount of time and then adjusts with the market periodically throughout the term.
Fixed Rate: Offers stability and peace of mind. A fixed rate means consistent payments throughout the life of the loan. We have many terms and rates available for fixed rate mortgages.
Adjustable Rate: Provides lower rates with shorter terms. Your rate is locked for a set amount of time and then adjusts with the market periodically throughout the term.
Specialty Mortgage Loans
FHA: Provided through the Federal Housing Administration, this mortgage is available at a fixed rate with varying terms. The go-to option for smaller down payments.
VA: If you served in the U.S. military or are on active duty, you’re eligible for extremely competitive rates on a Veteran’s Administration loan.
USDA: If you plan on buying in a rural area, the United States Department of Agriculture backs loans with attractive options, such as no money down, varying terms and competitive rates.
Construction-to-Permanent: We’ve made financing your dream home a breeze. Our Construction-to-Permanent Loan begins as a construction loan that allows you to build your home from scratch, then converts to a traditional mortgage after construction is complete.
Bridge: If you’ve found the perfect home before selling your current one, a Bridge Loan can help fund the down payment on your new home using the equity in your current home.
VA: If you served in the U.S. military or are on active duty, you’re eligible for extremely competitive rates on a Veteran’s Administration loan.
USDA: If you plan on buying in a rural area, the United States Department of Agriculture backs loans with attractive options, such as no money down, varying terms and competitive rates.
Construction-to-Permanent: We’ve made financing your dream home a breeze. Our Construction-to-Permanent Loan begins as a construction loan that allows you to build your home from scratch, then converts to a traditional mortgage after construction is complete.
Bridge: If you’ve found the perfect home before selling your current one, a Bridge Loan can help fund the down payment on your new home using the equity in your current home.
Apply to Get Pre-Qualified
We make the process of getting into your dream home as quick and hassle-free as possible. Our online application to get pre-qualified only takes about 20 minutes to complete. If you have questions or would like help with any part of your homebuying journey, give us a call at 913.905.3799 or visit one of our convenient branch locations.
Get Started
Calculators
Mortgage Refinance
Crunch the numbers to find out if refinancing could save you money.
Calculate Now 
From the Blog
April 2023
What's in a Mortgage?
February 2024
3 Key First-Time Homebuying Tips
Hear From Our Members
Fred J.
January 2023 on Google Places
So Glad I Switched to CommunityAmerica
So glad I switched to Community America Credit Union. Best move I ever made. Better rates, better service, just a great place to do business.
Roger N.
January 2023 on Google Places
Benefits Are Great
Absolutely love my relationship with CommunityAmerica Credit Union! The best financial institution I have ever belonged to. Since I first opened my accounts, I have not regretted it. The service is great; the personnel are great; the perks and benefits are great. Keep up the fantastic work.
Profit Payout*
Investing in YOU by sharing our profits.
As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like better rates, lower fees, and our Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.
Mortgage FAQs
Member Favorites
Hybrid Home Equity
Unlock your home’s potential to cover renovations, debt consolidation and more.
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