Home Mortgage Lenders Arkansas City KS

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Arkansas City and information on home mortgage rates, home loans, and mortgage calculators.

Home National Bank
(620) 442-4040
126 South Summit Street
ARKANSAS CITY, KS
Services
Mortgage Brokers

Barbour Title
(620) 442-7029
116 West Chestnut Avenue
Arkansas City, KS
 
Docking Insurance Agency
(620) 442-5200
127 South Summit Street
ARKANSAS CITY, KS
Services
Mortgage Brokers

Barbour Title Company
(620) 221-0430
216 East 9th Avenue
Winfield, KS
 
Integrity Mortgage LLC
(620) 221-2474
210 East 9th Avenue
WINFIELD, KS
Services
Mortgage Brokers

Munson Austin Agency
(620) 442-7800
111 East Washington Avenue
Arkansas City, KS
 
American General Financial Services
(620) 442-5150
227 South Summit Street
ARKANSAS CITY, KS
Services
Mortgage Brokers

Cornerbank Mortgage
(620) 221-4206
113 East 9th Avenue
WINFIELD, KS
Services
Mortgage Brokers

Walnut Valley Title Llc
(620) 229-7700
116 East 9th Avenue
Winfield, KS
 
The State Bank Drive In
(620) 221-3040
121 West 9th Avenue
Winfield, KS
 

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Kansas Mortgage Licensing Body

Website:

Phone: (785) 296-2266

State: Kansas

Licensed By: Kansas licensed mortgage company. Division of Consumer and Mortg. Lending

Additional Info: Division of Consumer and Mortg. Lending (785) 296-2266 www.osbckansas.org (KS is licensed through the NMLS)