Looking to buy a new home or refinance your current one? It doesn’t matter if your first child is on the way and you need more space, or if your last kid is headed off to college and you want to downsize, KS StateBank has a home loan solution for you.
We know that sometimes the thought of getting a new mortgage or refinancing can seem overwhelming. That’s why we’ve compiled some useful resources for you to use while researching your options and working through the process. Add in our highly energetic team of mortgage lenders ready to help you navigate the home-buying process, and you’ll be well on your way in no time.
More Home Loan Resources
One of the first things to think about in the home buying process is whether you want a fixed rate loan or an adjustable rate loan. Once you know which of these options is right for you, you can then begin to look at different loan programs that fit your particular situation.
Fixed Rate Loans
This is the most popular home loan option, with principal and interest payments that won't change during the life of the loan. Fixed Rate Loans also come with an option to buy a lower interest rate with discount points.
Adjustable Rate Loans
This option offers a fixed interest rate for the first 3, 5 or 7 years. After that time, the rate may vary and the payment may change annually. Adjustable Rate Loans typically come with lower initial rates than with other home loans, and rate caps protect you by limiting the amount your rate can increase.
Loan Programs Available
- FHA Loans
- VA Loans
- Conventional Loans
- USDA/Rural Development Loans
- FHA 203k Renovation Loans
- Fannie Mae Homestyle® Renovation Loans
External Link Disclaimer
If you "Continue", the link will attempt to open a new window. If it is unable to, the link will open in the current window.×
NOTICE: Because there is a risk that information transmitted via internet email could fall into the wrong hands, KS StateBank recommends that confidential information, such as account numbers, social security numbers, or other identifying information, not be transmitted via email. Instead, please contact KS StateBank directly at your nearest bank branch, or use our secure KS StateBank message center. It is your responsibility to ensure that communications via internet email are virus free. No responsibility is accepted by KS StateBank for any adverse consequences, or violation of any law or regulation, resulting from your use of internet email.
If you "Continue", the link will open a new email message in your default email program.×