Why should you choose NBKC?


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Purchase Mortgage Loan Information

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The Benefits of a Fixed-Rate Loan

NBKC offers fixed mortgage rates for 10, 15, 20, 25, and 30-year terms.

  • Interest rate remains the same throughout the loan
  • Easier budgeting, as the payment is the same each month
  • Loan payments are not affected by inflation or fluctuating interest rates
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The 30-Year, Fixed-Rate Mortgage – The Most Common Mortgage

Many buyers choose a 30-year, fixed-rate mortgage from NBKC over our 10, 15, 20, or 25-year mortgages. The 30-year, fixed-rate mortgage is popular, because it provides a lower monthly payment and potential savings on interest over time.

If you plan to stay in your home for many years, the 30-year, fixed-rate mortgage is a great choice. Ultimately, the loan you choose will depend on your financial situation and other home ownership goals as well. To find the best loan option, contact us today at 1-800-375-8096.

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Is an ARM loan for you?

Our most popular ARM mortgages have a fixed-interest rate of five years. An ARM loan may be the correct choice, if you plan on moving prior to the date that your fixed-rate ends.

  • Are you planning on selling your home before the fixed-rate term of your home loan expires?
  • Do you plan on accruing more debt? If so, will you be able to afford the ARM loan payments if your interest rate increases?
  • Do you anticipate an increase in your annual income that could cover any increase in your ARM loan payment?
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FHA Loans – A Smart Choice for the First-Time Home Buyer

An FHA loan is a good option if you have a fair-to-good credit rating and are looking for an option requiring less out-of-pocket cash than most conventional loans. If you do not qualify for conventional financing, an FHA home loan may be your key to home ownership.

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Benefits of an FHA Home Loan
  • First-time homebuyer advantages
  • Down payments as low as 3.5% of the purchase price
  • Loan options for those with low-to-moderate incomes
  • Available for refinance of fixed and adjustable-rate mortgages

Generally, FHA standards are not as strict as other types of loans pertaining to mortgage insurance. NBKC FHA loan specialists are fully trained in the HUD-insured loan industry. We can help you find information on FHA guidelines to determine whether you qualify for an FHA Loan.

Obtain an FHA loan mortgage quote.

Learn more about types of mortgage loans.

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Be Prepared for the FHA Home Loan Process
  • Do you have all of the necessary documents handy for the loan process?
  • Have you checked your credit and corrected any problems on the credit report?
  • In your search for lenders, have you looked for reviews on the lenders whom you are considering?
  • Have you contacted lenders and asked them about their rates, terms and fees?
  • Have you kept track of the rates, terms, and fees for comparison?
  • Have you made sure the lenders can loan in the state in which you are buying a home?
  • Have you compared all of the lenders you contacted and asked for further references?
  • Have you chosen a trustworthy lender and received a pre-qualification?
  • Have you started house hunting?
  • Have you completed the loan application?

Obtain an FHA home loan quote.

Learn about other types of mortgage loans.

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Adjustable Rate Mortgage (ARM) Disclosure:

With an adjustable-rate mortgage (ARM), your loan will have an initial fixed-rate period. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of reset. Lifetime rate cap is 5%, yearly adjustment cap is 1%, first year rate cap is 1%. As of 10/5/2016 the initial payment on a 30-year, $200,000.00, 5-year Adjustable-Rate Loan at 3.625% interest and 80% loan-to-value (LTV) is $916.66 with 0 points due at closing. The Annual Percentage Rate (APR) is 2.936%. After the initial 60 payments (5 years) at 3.625% interest with payments of $916.66, the rate and payments may adjust annually to 4.625% (estimated) with payments of $1,017.12 (estimated) for the remainder of the loans term (payments 61 – 360 [years 6-30]). After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 4.625%, with a maximum first payment of $1,017.12. The fully indexed rate for this loan is 8.625%, the maximum principal and interest payment for this loan will not exceed $1,434.46. Payment calculations above do not include taxes and insurance premium, the actual payment amounts will be greater. Rate is variable and subject to change after 5 years. Accuracy is not guaranteed and products may not be available for your situation.