Home Mortgage Lenders Lawrence 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 Lawrence and information on home mortgage rates, home loans, and mortgage calculators.

Ark-la-tex Financial Services LLC
(785) 749-3665
15427 254Th St
Lawrence, KS
 
Midwest Home Mortgage Ltd
(785) 842-2443
1501 Kasold Dr
Lawrence, KS
 
Sunset Mortgage Company Lp
(913) 369-3076
521 E 4Th St
Tonganoxie, KS
 
Lawrence Bank
(785) 838-9704
Clinton Parkway & Ka
LAWRENCE, KS
Services
Mortgage Brokers

Douglas County Bank
(785) 865-7610
31st & Iowa
LAWRENCE, KS
Services
Mortgage Brokers

Ad Astra Mortgage Ltd
(785) 841-4434
2701 W 6Th St
Lawrence, KS
 
Mid America Bank
(785) 594-2100
802 Ames
Baldwin City, KS
 
Home Quest Mortgage LLC
(785) 863-3399
301 Jefferson
Oskaloosa, KS
 
Primelending A Plainscapital Company
(785) 856-1225
708 W 9Th St
Lawrence, KS
 
Bank of America - Lawrence
(785) 842-1000
900 Ohio
Lawrence, KS
Type
Banking Center
Services
Banking Center Services: Change Order, Commercial Deposits, Night Deposits, Drive Up
Outdoor ATM Services: Open 24 Hours, Braille, Accepts Deposits, Drive Up
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-5
Tuesday 9-5
Wednesday 9-5
Thursday 9-5
Friday 9-5
Saturday 9-12
Sunday Closed
Drive Up Hours
Monday 8-6
Tuesday 8-6
Wednesday 8-6
Thursday 8-6
Friday 8-6
Saturday 8-12
Sunday Closed

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)