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UMB offers competitive interest rates on a wide selection of home mortgage loans, including conventional loans, jumbo loans and even specialty loans to support our agricultural customers and military veterans. Whether you want a fixed or adjustable-rate mortgage, we have a home loan for you. Fixed-rate Mortgage With a fixed-rate mortgage, your loan terms will include an interest rate that remains static for the duration of the loan. There are also special purchase programs for low-to-moderate income borrowers that allow for down payments as low as 3 percent. Adjustable-rate Mortgage Adjustable-rate mortgages are a type of loan with an interest rate that can fluctuate and change based on the current market and indexed rates. Specialty Loans First-Time Homebuyer Program UMB offers a program to assist qualifying first-time home buyers achieve their dreams of homeownership. We offer assistance on mortgages allowing you to borrow up to 100% of the purchase price of your home. Professional Loans Professional mortgage loans allow for financial flexibility and are tailored to licensed doctorate professionals, including attorneys, dentists, pharmacists, doctors and optometrists. Traditional Mortgage Loans Conventional Conventional loans are the most common mortgage financing requested. UMB's conventional mortgage loans are available through two government sponsored enterprises-Fannie Mae and Freddie Mac. Federal Housing Administration (FHA) Loans Federal Housing Administration (FHA) loans are guaranteed by the federal government and offer options for those who do not have the assets to meet the conventional mortgage loan down payment requirements. Jumbo Loans A jumbo mortgage loan has a loan amount that exceeds conventional loan parameters and is designed to accommodate higher-value homes. United States Department of Agriculture (USDA) Loans The Rural Housing Service (RHS) is an administrative division within the U.S. Department of Agriculture (USDA) that manages loan programs focusing on rural housing for lenders to offer to their communities. Veterans Affairs (VA) Loans VA loans are mortgage loans guaranteed by the Department of Veterans Affairs (VA).

Hiawatha National Bank is a financial institution in Topeka, KS that provides a range of banking services to individuals and businesses. With a focus on customer satisfaction, the bank offers checking and savings accounts, loans, and other financial products to meet the needs of its clients. Generated from their business information

The Community Bankers Association-Kansas (CBA) is a non-profit organization that advocates for and supports Kansas community banks, both in rural and urban areas. Established in 1978, CBA offers a range of services, including education, networking opportunities, and compliance programs, to benefit their member banks and the communities they serve. With a focus on creating value for their member banks, CBA works tirelessly to represent their interests through advocacy efforts at both the state and federal levels. Through their commitment to education and resources, CBA helps community banks stay informed and compliant with industry regulations. By fostering a strong network and providing genuine value, CBA plays a vital role in supporting the growth and success of Kansas community banks.Generated from the website