Buying a home is a big investment, but it doesn’t stop there. Knowing how to afford and finance this purchase is just as important. Through our partner, NBKC Bank, you’ll have a variety of options for mortgage loans to see which works with your financial goals. It’s now easy for you to take out a mortgage loan or Refinance your mortgage, which gives you the possibility to replace your existing loan with a new mortgage that has better terms. NBKC Bank offers Conventional, VA, FHA and Jumbo loans.

Refinance Loans:

Most people consider refinancing their home loan when interest rates move lower than their existing loan rate or when they’re near the end of a fixed-rate period on an adjustable rate loan. By refinancing you may be able to lower your monthly payments, cash-out on your home equity to reduce debt or change from an adjustable-rate loan to a fixed-rate loan. NPEA members receive a discounted lender fee of $475 from NBKC Bank.

Purchase Loans:

NBKC Bank offers purchase loans with fixed mortgage rates for 10, 15, 20, 25 and 30-year terms. The new home purchase loans also include adjustable rate mortgages (ARM) that have a fixed-rate term of 3, 5, 7 or 10 years. NPEA members will also receive a discounted lender fee of $475 when getting a purchase loan with either fixed mortgage rates or adjustable rate mortgages.

FHA and VA Loans:

An FHA loan from NBKC is a good option for first-time home buyers or for those who may not qualify for conventional loan financing. With an FHA home loan you’ll have down payments as low as 3.5% of the purchase price. Plus, NPEA members will get a discounted lender fee of $475.

VA loans are available to eligible veterans or those in active military service. With a VA loan from NBKC there are no lender fees, no origination fees and no processing fees.