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Kansas State Bank, Ottawa, KS
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Mortgage

Mortgage Lending That Helps You Feel at Home


Discover the ins and outs of financing your future in the mortgage market. Buying a home is a big step, and having the right mortgage can make all the difference. That’s where we come in. We’re local lenders who believe in real conversations, personal service, and helping our neighbors find loan options that truly fit their needs. Our mortgage services prioritize personal connections and clarity.
 
Just like properties, mortgage loans aren’t one-size-fits-all. We offer a variety of options, including purchasing, refinancing, and securing properties. We offer a variety of options, including:

  • Fixed Rate Mortgages
  • Second mortgage loans
  • Home equity lines of credit (HELOC)
  • Refinances
  • Cash out refinances
  • Bridge Loans
  • Construction loans
  • Home Improvement loans
We’ll take the time to walk you through each option so you can feel confident in your decision.
 
 

Getting Started Is Simple

Applying for a mortgage doesn’t have to be complicated. Use our mortgage calculator to understand your potential amortization and payment schedule. You can download a residential loan application and return it to us, or simply give us a call to get started. Our team is here to guide you from application to closing, ensuring all fees and requirements are clearly outlined.
 

Finding the Right Loan for Your Goals

Choosing the right mortgage is about more than just the interest rate. Consider amortization, term, and other factors. Fixed-rate loans offer predictable monthly payments, while adjustable-rate mortgages may be a good fit if you plan to move or refinance in the near future. We’ll help you weigh your options and choose a loan that aligns with both your current budget and long-term plans. Amortization options play a significant role in selecting the mortgage that suits your needs. 

Qualifying for a mortgage involves several factors, including income, credit history, debt-to-income ratio, property value, and lender requirements. Our team will review everything with you to ensure the loan fits comfortably within your financial situation. First-time homebuyers may also qualify for special programs designed to make homeownership more accessible.
 

Support Every Step of the Way

From pre-approval to closing, our lenders are here to answer questions, explain loan programs, and help you prepare the necessary paperwork. Our guidance includes understanding your needs, expectations, and goals for the future to help you choose the right loan program for you. We’ll walk you through interest rates, payment schedules, and timelines so you know exactly what to expect. Preparing funds and organizing resources are all part of the closing process.
 
It is easy to start the loan process.  Download a residential application and return to us or simply give us a call!  Our team will walk you through the whole process.