A Home is a Life Investment

We aim to please. That's why we have so many convenient options.

Everything you need for your new mortgage or refinance.

  • Mortgage Options

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

  • 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.

  • 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. Click here to submit a request for an estimate on your closing costs.

  • Frequently Asked Questions

    Scroll down to view our frequently asked questions about mortgages.

  • Mortgage Options
  • Our Lenders
  • Application
  • Calculators
  • 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
    • MI Free Loan Program - new 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
  • Loans available in Kansas, Nebraska, Missouri, Iowa, Colorado!

    Just because we don't have a lender in your town, doesn't mean we can't do the loan, so contact the lender nearest to you!

  • Brenda Klubek

    Joined Central National Bank in 2005.

    Serving Burlington, KS

    • NMLS # 472732
    • Direct (620) 364-4404
    • 201 S. 4th Street
    • PO Box 185
    • Burlington, KS 66839
    • Phone (620) 364-8875
    • Fax (620) 364-2005
    • Email: BrendaK@centralnational.com
  • Nick Cunningham

    Joined Central National Bank in 2005.

    Serving Gardner, KS

    • NMLS # 476271
    • Direct (913) 856-3208
    • 205 N. Moonlight
    • Gardner, KS 66030
    • Phone (913) 856-3201
    • Fax (913) 856-3220
    • Email: NickC@centralnational.com
  • Jan Lindsay

    Joined Central National Bank in 2004.

    Serving Harvey, Marion and Sedgwick Counties

    • NMLS # 472253
    • Direct (888) 262-5456 Ext. 6580
    • 711 E. Lincoln
    • Hesston, KS 67062
    • Phone (620) 327-6580
    • Fax (620) 327-3008
    • Email: JanL@centralnational.com
  • Steve Barker

    Joined Central National Bank in 1984.

    Serving Junction City, KS

    • NMLS # 469797
    • Direct (785) 761-2922
    • 802 N. Washington
    • P.O. Box 700
    • Junction City, KS 66441
    • Phone (785) 238-4114
    • Fax (785) 238-6299
    • Email: SteveB@centralnational.com
  • Shaney Kolde

    Joined Central National Bank in 2016.

    Serving Manhattan, KS

    • NMLS # 715381
    • Direct (785) 323-4034
    • 1426 Browning Place, Suite 101
    • Manhattan, KS 66502
    • Phone (785) 539-5256
    • Fax (785) 320-7373
    • Email: ShaneyK@centralnational.com
  • Colby Monnington

    Joined Central National Bank in 2016.

    Serving Manhattan, KS

    • NMLS # 1473266
    • Direct (785) 323-4038
    • 1426 Browning Place, Suite 101
    • Manhattan, KS 66502
    • Phone (785) 539-5256
    • Fax (785) 320-7373
    • Email: ColbyMo@centralnational.com
  • Adam Litzinger

    Joined Central National Bank in 1999.

    Serving Manhattan, KS

    • NMLS # 472556
    • Direct (785) 323-4035
    • 1403 College Avenue
    • Manhattan, KS 66502
    • Phone (785) 539-5256
    • Fax (785) 323-4031
    • Email: AdamL@centralnational.com
  • Brenda Elsasser

    Joined Central National Bank in 1997.

    Serving Nebraska, Iowa & Colorado

    • NMLS # 478729
    • Direct (402) 333-9797
    • 11414 W. Center Road, Suite 220
    • Omaha, NE 68144
    • Phone (402) 333-9797
    • Fax (402) 333-5045
    • Email: BrendaE@centralnational.com
  • Mindy Curington

    Joined Central National Bank in 2016.

    Serving Nebraska, Iowa & Colorado

    • NMLS # 1264305
    • Direct (402) 763-2299
    • 11414 W. Center Road, Suite 220
    • Omaha, NE 68144
    • Phone (402) 333-9797
    • Fax (402) 333-5045
    • Email: MindyC@centralnational.com
  • Vicki Steffens

    Joined Central National Bank in 2000.

    Serving Beloit, KS

    • NMLS # 472652
    • Direct (785) 738-5777
    • 120 E. Main
    • Beloit, KS 67420
    • Phone (785) 738-4044
    • Fax (785) 738-3999
    • Email: VickiS@centralnational.com
  • Dave W. Johnson

    Joined Central National Bank in 1994.

    Serving Topeka, KS

    • NMLS # 473822
    • Direct (785) 231-1416
    • 800 SE Quincy
    • Topeka, KS 66612
    • Phone (785) 234-2265
    • Fax (785) 234-9660
    • Email: DaveJ@centralnational.com
  • It's simple to apply online for a free mortgage pre-qualification!

    Alternatively, you can also download and print an application.

  • Application Checklist

    Please provide at your earliest convenience:

    • 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)

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. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing 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 is an index and margin used in an ARM?

    An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

  • 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.

Secure Page Sign-In

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Browser Security Indicators

You may notice when you are on our home page that some familiar indicators do not appear in your browser to confirm the entire page is secure. Those indicators include the small "lock" icon in the bottom right corner of the browser frame and the "s" in the Web address bar (for example, "https").

To provide the fast access to our home page, we have made signing in to Online Banking secure without making the entire page secure. You can be assured that your ID and password are secure and that only Central National Bank has access to them.

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