Using a FHA or VA loan to refinance or purchase a new home can make your payments more affordable. An FHA loan from NBKC Bank is a good option for those with a fair-to-good credit rating and want an option that requires less out-of-pocket cash than most conventional loans. If you are using an FHA loan to refinance, there are fixed and adjustable-rate mortgages available. If you are looking to purchase a new home with an FHA loan there are advantages for first-time buyers and customized loan options that are adjusted to your income level.

NBKC Bank allows veterans and qualified active military personnel to use a VA loan for a new home purchase and gives you the cost effective benefit of no lender fees or origination fees. You can also use a VA loan to refinance. If you currently have a VA mortgage loan, a new VA loan streamline refinancing option could help lower your payment with minimal or no out-of-pocket costs.