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1-800-318-8997When it comes to unlocking the door to your new home, you need a local home loan lender you can count on. Whether you’re a first-time homebuyer, a current homeowner looking to relocate, or you’re interested in refinancing your property, Landmark National Bank is here to help you find the best solution for your home loan needs.
Our dedicated team of home loan specialists provide competitive mortgage loan interest rates, low closing costs and affordable monthly payments – making it easier than ever to get the home of your dreams.
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What are the different types of home loans?
Choosing the right home loan for you might feel overwhelming, but Landmark National Bank is here to pair you with a program that best suits your lifestyle. Some of the most common types of mortgages we offer include:
While these are the most popular types of home loans, we also offer additional types of financing. Apply today and learn more about our wide selection of home loans and find out which one is right for you.
How does the home loan process work?
After you’ve chosen Landmark National Bank as your mortgage provider in Kansas and Missouri, you will be amazed at how quickly and simply the process moves. In just three easy steps, you’ll have a home loan that fits your unique lifestyle and saves your money.
Home Loan Prequalification
To get started with your home loan prequalification process, give one of our home loan specialists a call or contact us online and a lending specialist will get in touch with you. With some general financing information, our team can help you determine how much you will be able to borrow. Additionally, having a home loan prequalification letter in hand could also give you more power while you are house hunting and negotiating prices.
- How long does a home loan pre-qualification last?
Because your income, credit history, and interest rates can fluctuate, a home loan prequalification typically lasts between 60 to 90 days. After it expires, we will need to obtain your updated information to create a new prequalification letter. Thankfully, this process moves quickly, as we already have most of your information on file.
Home Loan Process
Once you have selected a property and have a contract for your new home, the next step is to review your financing options and lock in a low, competitive rate. Please keep in mind that applying for a home loan is an ongoing process that considers everything you do financially up until you close on your home. We encourage borrowers to avoid incurring any new debt or making any lifestyle changes that may affect the approval of the loan.
Home Loan Approval and Funding
Your real estate agent or the seller will designate an escrow or title company to handle the funding of your loan. Landmark National Bank will then coordinate with the escrow and title company. (You will sign your final home loan papers at your title company’s office.) At closing, you will need to bring your photo ID. If any closing costs are required, you will also need to bring those funds in the form of a cashier’s check, or you can wire transfer the funds.
- What documents are needed for a home loan?
When applying for a home loan with Landmark National Bank, there are a few documents you need to ensure a smooth process. Depending on your situation, a few additional documents may be needed, but here are the basics:
- • Current driver's license or other photo identification.
- • Current pay stubs which show year-to-date income, W-2's for the past two years, or, if self-employed, tax returns for the past two years including all schedules.
- • Complete bank statements from the most recent two months.
- • Investment and retirement account statements if you are planning to use funds from these accounts for your down payment.
- • If you are retired, and/or receiving Social Security Income, your current award letter.
- • If you currently own real estate, your home loan account information, and your home insurance policy information
Call Landmark National Bank to Apply
For your Home Loan
Your home is one of the biggest purchases you will make in life, and this is why you need a home loan lender you can trust to help. At Landmark National Bank, our team of experienced mortgage specialists are here to guide you through the home loan process in Kansas every step of the way.
Whether you are buying your very first home or searching for a new place to call your own, we will help you find the right home loan for your unique situation. Get in touch with a home loan specialist near you today to learn more about our competitive loan programs. Additionally, feel free to use our online calculators to get an estimate on the costs and benefits of different home loans!
