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Find the loan that works for you.

Discover your perfect mortgage match with our diverse range of loan options at Heritage Mortgage KC. Understanding that each client's situation is unique, we offer personalized mortgage solutions tailored to your specific needs and dreams. From conventional loans to more specialized programs, our goal is to provide you with the best options to make your home buying experience smooth and successful. Explore our loan offerings and find the path that leads you home.

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Purchase

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Refinance

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Commercial

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Get to know the purchase loan options.

Explore a world of possibilities with our diverse range of loan options designed to meet your unique financial needs and homeownership goals. Whether you're dreaming of a rural retreat with a USDA loan, serving or have served in the military and are eligible for a VA loan, or looking to tap into your home's equity with a HELOC, we have the solutions to support your journey. Each of our loan options offers distinct benefits, from no down payment requirements to flexible credit lines, ensuring you find the perfect match for your situation. Let us guide you through the details and advantages of each to help you make an informed decision on the path to securing your ideal home or financial strategy.

  • Conventional

    Conventional loans are a popular choice for borrowers with strong credit, offering varied down payment options and flexibility in terms and conditions without government backing.

  • Custom Term

    Custom Term loans provide borrowers the flexibility to choose the specific duration of their mortgage, allowing for a tailored approach to financing that matches their financial goals and timelines.

  • Jumbo Loans

    Jumbo loans are designed for financing properties that exceed the standard loan limits set by Fannie Mae and Freddie Mac, ideal for high-value real estate purchases with competitive interest rates.

  • FHA

    FHA loans, backed by the Federal Housing Administration, cater to first-time homebuyers and those with lower credit scores, featuring lower down payment requirements and more lenient lending standards.

  • Construction to Permanent

    Construction to Permanent loans offer a seamless financing solution for building a home, combining the construction loan and permanent mortgage into one loan with a single closing process.

  • Rehab Loans

    Rehabilitation loans are specifically designed for buyers looking to purchase and renovate a property, providing the funds needed for both the acquisition and the necessary improvements in one loan package.

  • USDA

    USDA loans are tailored for rural homebuyers, offering 100% financing (no down payment required) and lower mortgage insurance costs, backed by the United States Department of Agriculture to promote homeownership in less populated areas.

  • VA

    VA loans provide unparalleled benefits to veterans, active-duty service members, and eligible military spouses, including no down payment requirements, no private mortgage insurance, and competitive interest rates, backed by the Department of Veterans Affairs.

  • HELOCs (Home Equity Lines of Credit)

    A HELOC allows homeowners to borrow against the equity in their property, offering a flexible line of credit for a predetermined term, which can be used for renovations, debt consolidation, or other large expenses, typically with interest-only payments during the draw period.

Ready to refinance?

  • Conventional 95.0% LTV Rate and Term

    Refinance your home with our Conventional 95.0% LTV rate and term options, offering competitive rates for borrowers looking to adjust their mortgage terms without extensive equity. Ideal for those seeking to benefit from lower interest rates or change the duration of their loan.

  • 80% Cash-Out LTV on FHA and Conventional

    Unlock the equity in your home with up to 80% cash-out Loan-to-Value (LTV) on FHA and Conventional loans. This option is perfect for homeowners looking to consolidate debt, finance large purchases, or invest in home improvements.

  • Streamline VA and FHA Refinances

    Simplify the refinancing process with Streamline VA and FHA options, designed for existing VA and FHA loan holders. These programs offer a reduced amount of paperwork and no appraisal in many cases, making it easier and faster to lower your rate or improve your loan terms.

  • USDA

    USDA refinance options provide rural homeowners the opportunity to improve their mortgage conditions. With potentially lower interest rates and monthly payments, this is an excellent choice for those eligible for USDA loans seeking financial relief or better terms.

  • Self-Employed Programs

    Tailored for the self-employed, our refinancing programs allow you to use 1 year of tax returns, bank statements, or 1099s with two years of self-employment. These programs are designed to make refinancing accessible for entrepreneurs and freelancers who might not qualify under traditional criteria.

  • HELOCs (Home Equity Lines of Credit)

    A HELOC provides a flexible way to access the equity in your home for renovations, major purchases, or consolidating high-interest debt. With interest-only payments during the draw period and the ability to reuse the credit as you repay it, a HELOC is a versatile financial tool for homeowners.

Here are some options for real estate investors.

Heritage Mortgage KC delivers tailored investor loans, from conventional options in Missouri and Kansas to nationwide fix n flip and DSCR loans. Our services include full income documentation, flexible financing for investment properties, and no pre-payment penalties, ensuring a smooth path for your real estate investments across the U.S.

  • Conventional Fannie Mae and Freddie Mac

    Benefit from the reliability and competitive rates of Conventional Fannie Mae and Freddie Mac loans tailored for real estate investors. These loans provide a solid foundation for your investment, whether you're purchasing, refinancing, or rehabilitating properties, with guidelines designed to meet the needs of investors seeking market leverage.

  • Single Family 80% LTV

    Optimize your investment in single-family properties with up to 80% Loan-to-Value (LTV) financing. This option offers investors the chance to maximize their purchasing power while maintaining manageable equity requirements, perfect for expanding your real estate portfolio with single-family homes.

  • Multi-Family 2-4 Units 75% Loan to Value

    Specialized for investors looking to dive into multi-family properties, our financing options for 2-4 unit buildings provide up to 75% LTV. This loan type is ideal for those aiming to increase rental income and equity growth, offering competitive terms for acquiring or refinancing small multi-family investments.

  • Fix N Flip Loans

    Ideal for investors looking to renovate and sell properties quickly, our Fix n Flip loans are based on the After Repair Value (ARV), requiring lite documentation. This option allows investors to maximize their return on investment by focusing on the property's potential value after improvements.

  • DSCR Loans (Debt Service Coverage Ratio)

    DSCR loans offer long-term financing with 30-year terms, utilizing lite documentation and qualifying based on the property's income rather than the borrower's personal income. This is perfect for investors seeking stable, long-term returns on rental properties.

  • Bank Statement and 1099 Loans

    Tailored for investors who may not meet traditional lending criteria, these loans use bank statements or 1099 forms to demonstrate income, offering 30 and 40-year terms to enhance cash flow based on the property's income.

  • Portfolio Loans

    For investors with multiple properties, Portfolio loans consolidate several homes under one loan, simplifying management and potentially improving financing terms.

  • Bridge Loans

    Bridge Loans provide short-term financing to cover the gap between purchasing a new property and selling an existing one, ideal for investors needing quick, interim financing.

  • Cash-Out Seconds on Investment Properties

    This option is beneficial for investors wanting to leverage the equity in their properties without disturbing a low-rate first mortgage. It's a strategic way to access capital for further investments or improvements.

  • Construction Loans for Builders

    Targeted at experienced builders with the proper licensing, our Construction loans support new building projects from the ground up, offering tailored financing solutions that match project timelines and budgets.

  • Multi Family

    Financing for multi-family properties is designed to support investors looking to purchase or refinance residential buildings with multiple units, offering a path to significant rental income.

  • Land and Lot Loans

    Our Land and Lot loans cater to investors aiming to purchase undeveloped land for future projects, including working ranches, dairy farms, and large vacant land parcels, acknowledging scenarios where the land's value surpasses that of any dwellings.

We provide commercial loans, too.

Heritage Mortgage KC provides a wide range of commercial loan options for purchasing and refinancing, catering to both large and small investment scenarios. We offer fast, nationwide lending with the convenience of closing in an LLC's name, safeguarding your personal credit while enhancing your portfolio's flexibility. Our loans, including interest-only and adjustable-rate options, are designed to meet the unique needs of investors and builders, ensuring optimal financial solutions for every project.

Let's talk about funding your dream.

At Heritage Mortgage KC, you're not just a client; you're family. Let us guide you with the care and expertise you deserve, making your home buying process seamless and stress-free.

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