Mortgages
Where are you in the home-buying 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. Here’s what you can expect from a mortgage with us:
Apply Now - Competitive mortgage rates
- Local servicing
- Valuable experience as a top mortgage lender in KC
- An increased share of our Profit Payout1– qualified mortgage households earn an average Profit Payout of $277
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.View Rates
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.
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.Apply Now
Home-Buying 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 Payout1 of $277.
Estimate Payout 
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
Profit Payout
Refinancing your mortgage with us could help you increase your Profit Payout potential1.
Estimate Payout 
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).Apply Now
First-Time Buyer Tips
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.
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.
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).
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.
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.
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: 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.
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 StartedCalculators
Mortgage Refinance
Crunch the numbers to find out if refinancing could save you money.
Calculate Now 
From the Blog
October 2021
How New Mortgage Refinance Programs Can Help You
March 2021
Top 5 Factors That Impact Your Credit Score
August 2020
Get to Know Our HELOC
September 2021
Life Insurance Isn't One Size Fits All
Hear From Our Members
Marsendi S.
2020 on Google Places
Thank you for a great experience!
We worked with Daniel, who has been so amazing. We did multiple loans, refi and applications and Daniel just went above and beyond in communication, timely responses and recommendations. We definitely got more bang for our buck due to Daniel’s assistance. During this COVID outbreak, we primarily communicated over email, and though I was worried this would prolong the entire process, I felt it was actually expedited. We were told our results right away and were in constant communication with Daniel regarding what we need. Any questions we had he always answered them with clear information and more. He was so helpful and respectful. Definitely a reason to stop by. Workers like him make banking that much easier. Thank you for a great experience!
Jeanette P.
2020 on Google Places
CommunityAmerica - Blue Ridge
I’ve been with them for 21 years and I’m happy to say that I hope it’ll be another 21!!! I can truly say that this bank has great customer service. Best banking decision I made in my life.
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 a record-breaking $9 million to our members, and qualifying households with a mortgage received an average payout of $277!Mortgage FAQs
Member Favorites
Hybrid Home Equity
Unlock your home’s potential to cover renovations, debt consolidation and more.
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