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Home 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.

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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.

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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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