Your Partner in Expert Mortgage Solutions
Clear guidance, flexible solutions, and a stress-free mortgage experience from start to finish.
Open the door to your dream home today
Explore our wide range of mortgage options, carefully designed to meet your needs and provide personalized support, guiding you through every step of the homebuying process with ease.
Unlock the financial benefits of refinancing
Maximize the advantages of mortgage refinancing through strategic timing and leveraging benefits such as lower interest rates, reduced payments, accessing home equity, and adjusting loan terms.
Explore our options for real estate investors
Get the funding you need to expand, invest, or launch your business. We offer competitive rates, flexible terms, and tailored solutions to help you achieve your goals.
Secure the funds for your next property
Unlock financing solutions for your commercial property needs. Whether you're purchasing, refinancing, or expanding, we offer tailored loan options to help your business thrive.
Empowering our clients with tailored mortgage solutions
Contact our team
Choose your service
Work with us
Real Experiences. Real Confidence.
Why Choose Us?
Home begins here, with people who get it
We help borrowers understand their financial options, navigate the complex paperwork, and make informed decisions.
- Trusted by homeowners across the community
- Decades of combined mortgage experience
- Streamlined process for faster closings
- Dedicated local team ready to help
Your Mortgage, Made Simple
Discover a smoother way to navigate home financing with expert guidance and personalized solutions.
Expert Guidance
Our knowledgeable team walks you through every step, ensuring you feel confident and informed throughout the process.
Range of Loan Options
From first-time homebuyer programs to investment property financing, we offer flexible solutions to fit your needs.
Streamlined Process
With modern tools and efficient workflows, we make applying, processing, and closing your loan as smooth as possible.
Flexible Support
Life doesn’t fit into a one-size-fits-all box—neither should your mortgage. We adapt to your goals and financial situation.
Open Communication
We keep you informed with timely updates and quick responses so you never have to wonder where you stand.
Goal-Focused Approach
Every recommendation we make is aimed at helping you achieve your homeownership or investment goals successfully.
Mortgage Calculator
The calculated amount is an estimate, with the exact loan terms determined on an individual basis.
Calculate Your Monthly Mortgage with Our Real-Time Home Loan Calculator
Easily estimate your monthly loan payments with our interactive mortgage calculator. Adjust the home price, down payment, loan term, and interest rate to see how your payments change in real time. Our breakdown focuses on principal and interest but excludes costs like property taxes, homeowners insurance, and HOA dues—giving you a clear starting point for your budget.
Deb Brasel
Broker & Owner
- 816-678-9283
- deb@hmkcllc.com
- NMLS: #299821
F.A.Q
Frequently asked questions
When should you consider transitioning from renting to homeownership?
Determining the right time to buy a home is not a one-size-fits-all decision. It requires careful consideration of your lifestyle and long-term objectives. Here are some indicators that you might be ready to make the leap into homeownership:
- You have achieved financial stability
- You are prepared to commit to a specific location
- You want the freedom to make home renovations
- You are looking for additional space and privacy
How do I begin the homebuying journey?
To set yourself up for success in purchasing your first home, consider the following:
- Monitor your credit score using free online resources and take steps to improve it where possible
- Save for a down payment
- Set aside funds for additional homebuying expenses (such as inspections, insurance and deposits)
- Partner with a mortgage broker to determine your home affordability
- Obtain pre-approval for a mortgage
- Work with a real estate agent
- Start searching for your ideal home
What documents will I need to apply for a mortgage?
When applying for a mortgage, you will generally need to provide documentation that verifies your identity, employment, income, assets and any financial obligations. This may include:
- A valid form of identification (such as a state-issued ID)
- Pay stubs from the last 2 months
- W-2 forms from the past 2 years
- Bank statements covering the past 2–3 months
- A purchase agreement or sale contract (if you have already selected a home)
- Information on current debts, including car loans, student loans and credit cards
Why should I consider getting pre-approved for a mortgage?
A pre-approval letter will detail the loan amount for which you could be approved, including the interest rate, monthly payment and duration of the mortgage. This not only boosts your confidence by clarifying what you can afford but also signals to the seller that you are a serious buyer. A pre-approval is based on several key factors, including:
- Credit history
- Credit score
- Employment history
- Income
- Debt-to-income ratio
- Available assets
Are you doing a hard pull on my credit? How long will that hard pull last while I shop around?
Applying for a mortgage usually involves a hard pull on your credit, which can impact your credit score temporarily. However, if you shop around for mortgages within a specific time frame (typically 30 to 45 days), multiple inquiries are generally treated as one for scoring purposes.
How much do I need for a down payment?
There are various loan programs available that can be customized to suit your needs and financial situation, with some options requiring as little as 0% down.
What happens if the house appraises under the offer price?
If the appraisal comes in lower than the offer price, you may need to consider several options. Discussing these options with your mortgage broker is essential to determine the best course of action, including:
- Renegotiating the purchase price with the seller
- Increasing your down payment to cover the difference
How often will I hear about the progress of my loan?
Expect regular updates throughout the loan process, including on the weekends. A mortgage broker will provide you with a timeline and updates at key milestones to keep you informed.
Are there any costs or fees that I should know about that a first-time homebuyer might not think of?
In addition to down payment and closing costs, first-time homebuyers should consider potential expenses such as:
- Home inspections
- Property taxes
- Homeowners insurance
- Ongoing maintenance costs
How much should I budget for closing costs?
Closing costs typically range from 2% to 5% of the purchase price of the home. These costs can include:
- Appraisal fees
- Title insurance
- Loan origination fees
- Other miscellaneous expenses
How long will it take my loan to close?
This time frame can vary, but mortgage brokers work closely with you and your real estate agent to ensure the closing process is as smooth and fast as possible.
Ready to Take the Next Step?
Whether you’re a first-time buyer or seasoned investor, we’ll help you find the right mortgage for your needs.
HMKC Mortgage brings more than twenty years of mortgage expertise to families across Arkansas, Kansas, and Missouri, offering clear guidance and dependable support at every step of the home-buying journey. HMKC Mortgage focuses on delivering custom financing solutions and genuine relationships, so clients feel confident from application to closing.
Company NMLS #: 1720438
Quick Links
Social
