Home Mortgages

A variety of loan terms and options including long-term fixed rate, conventional, FHA-insured, VA-guaranteed, MI Free Loans, Home Possible Advantage and Home Equity Lines of Credit. We offer mortgage loans in Kansas, Nebraska, Missouri, Iowa, Colorado, and South Dakota; and our lenders are trained to help you get the best financing options for your individual situation. Pre-qualification online is easy, or explore our home lending options below. Have additional questions? Click below to locate a lender near you.

Everything you need for your new mortgage or refinance.

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Mortgage Options

With over 10 different loan types, we have a loan solution for you.

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Application Checklist

In order to complete your loan we will need some additional information listed below, under Application. Please provide it to us at your earliest convenience.

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Closing Costs

Due to a fluctuating market we prefer to provide our rates directly to you, maximizing your potential to get the best rates available. Contact a lender near you for an estimate.

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Frequently Asked Questions

First mortgage? We're exited for you! Scroll down to view our frequently asked questions about mortgages.

A Variety of Loan Options

We offer the following loan types for purchases and refinances

  • Variety of loan terms, including long-term fixed rate conventional loans
  • FHA-insured loans with as little as 3.50% down payment
  • VA-guaranteed loans to eligible veterans with no down payments
  • Loans up to 97% tailored to first-time homebuyers as well as low- to moderate-income individuals
  • Lender Paid Mortgage Insurance Loan Program - product that enables loans up to 95% LTV with no borrower-paid mortgage insurance
  • Home Possible Advantage - this product has been recently enhanced to make home ownership possible to a wider variety of people..
  • Home Equity Lines of Credit (HELOCs)
  • Home Improvement Loans
  • Second Home Loans
  • Investment Property Loans
  • Cash-out Equity Refinances for various purposes including Debt Consolidation
  • Streamline refinance FHA-insured Loans
  • Interest Rate Reduction Refinancing VA-guaranteed Loans

Apply Today!

It's simple to apply online for a free mortgage pre-qualification!

Alternatively, you can also download and print an application.

Or, seek out a lender in the area near you.

Toy house

Documents we might need from you include:

  • Paycheck stubs for most recent 30-day period
  • All W-2's received for the past two tax years
  • Federal Income Tax returns for the past two tax years, including all pages and schedules (include business returns, if applicable)
  • For any liquid assets (checking, savings, CD's, money markets, mutual funds, retirement, stocks, bonds, etc.), account statements for most recent two month period
  • If purchasing, signed purchase contract, including any amendments, addendums, etc
  • Copy of previous appraisal report (if available)
  • Cost estimates for proposed home improvements (Home Improvement Loans Only)

Calculate Your Monthly Payment

Break Down your Payment Schedule

Save Over the Term of Your Loan

Rent vs Own

Rent or buy

Reasons to buy

  • To invest in your future
  • Tax benefits (please consult your accountant)
  • Remodeling freedom
  • Stable cost of living
  • Resell potential
Estimate the benefits of owning

How much house can you afford?

15 vs 30 Year Mortgages

What's the benefit of a refinance?

Frequently Asked Questions

How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. We will also take into account your employment history, credit history, current savings and debts, and the amount of down payment you are planning to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest rate changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

How do I know which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Central National Bank can help you evaluate your choices and help you make the most appropriate decision.

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: Repayment on the amount borrowed
  • Interest: Payment to the lender for the amount borrowed
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company

How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house
  • Down Payment: A percentage of the cost of the home that is due at settlement
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

How can we help?

Let us know the best way to reach you and one of our customer representatives will be in touch.

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