Mortgages

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Where are you in the home-buying process?


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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. Here’s what you can expect from a mortgage with us:
  • Competitive mortgage rates
  • Local servicing
  • Valuable experience as a top mortgage lender in KC
  • An increased share of our Profit Payout1– qualified mortgage holders earn an average Profit Payout of $273
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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.

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Here to Help Every Step of the Way

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Get Pre-Qualified for Your Dream Home

Be ready when you find the house that’s right for you. 

Whether you’re looking for your first home or your fourth, we make the process of getting into your new home simple by helping you get pre-qualified. Our application only takes about 20 minutes to complete.

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Home-Buying Resources

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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.
Calculate Now
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Blog Posts

You can find more mortgage info, tips and tricks by checking out these related blog posts. 
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Profit Payout

A mortgage with us could help you increase your share, with qualified mortgage holders earning an average Profit Payout1 of $273. 
Estimate Payout
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Make the Move to a Better Rate

See if refinancing your mortgage could save you money.

Bring more joy to homeownership by saving more money. Our experienced mortgage loan experts help people do just that every day. Here are some of the most common reasons to consider refinancing with us:
  • Lower your interest rate and monthly payments
  • Change the term of your mortgage to pay it off faster
  • Cash out on your home’s equity for renovations, large purchases or debt consolidation
  • Eliminate Private Mortgage Insurance (PMI)

Refinance Now

Home Refinancing Resources

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Mortgage Refinance Calculator

See if refinancing could save you money.
Calculate Now
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Blog Posts

Learn more about refinancing your mortgage by checking out these blog posts.
Read More
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Profit Payout

Refinancing your mortgage with us could help you increase your Profit Payout potential1.
Estimate Payout
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First-Time Home Buyer

Experience the neighborly way to buy a home.

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 the home-buying process. Plus, our First-Time Homebuyer Loan2 features an adjustable rate with down payment options as low as 0%3. It’s flexible and friendly, with a 100% Loan to Value (LTV).

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First-Time Buyer Tips

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Evaluate Your Credit Score

Paying down debt leads to a better credit score. A better credit score leads to a better mortgage rate. You can check your score at AnnualCreditReport.com.
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Determine How Much House You Can Afford

Simply plug your information into this handy calculator to find out how much of a mortgage you may be able to obtain.
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Save for a Down Payment

If you can make a down payment of 20% or more of the home’s purchase price, you can avoid paying for Private Mortgage Insurance (PMI).
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Budget for Additional Costs

While property taxes and home insurance are often factored into your payment, you’ll also want to consider expenses such as one-time closing costs.
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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.

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. An ARM is available with no Private Mortgage Insurance (PMI) and with putting as little as 10% down.

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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: Get the financing you need to get your dream home started with your builder. Our Construction Loan offers an interest only, fixed rate to finance the build of your new home.

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

Get Started

Calculators

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Mortgage Payment

Do the math to find out your potential monthly mortgage payment. 
Calculate Now
Price Tag with Dollar Sign Icon

Mortgage Affordability

Determine how much of a mortgage you may be able to obtain.
Calculate Now
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Mortgage Refinance

Crunch the numbers to find out if refinancing could save you money.
Calculate Now
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See All Calculators

Use our calculators to make the most informed mortgage decisions.
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Hear From Our Members

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Profit Payout

We share our profit with our members.

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 Payout1. This year we gave back $8.4 million to our members.
Estimate Your Payout

Mortgage FAQs

Member Favorites

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Homeowners Insurance

Protect the roof over your head, along with everything under it4.

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Hybrid Home Equity

Unlock your home’s potential to cover renovations, debt consolidation and more.
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Cashback Free Checking

Earn 1% cash back on the first $500 of monthly purchases5.

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