If you live near Junction City Kansas and are interested in what it might take to get a Junction City Home Loan - you've come to the right place.  We're you're one stop shop for information on mortgages near Junction City KS!  

Maybe you're a home buyer who is looking for a new home or perhaps you're a first time home buyer who isn't really sure about where to even begin the mortgage process.  Well, Home Loans are pretty simple and the process is easy to start.  The first step towards buying your own home is to get pre-approved with a lender.  Most reputable lenders will have a safe and secure website, (like ours: here.) Where you can get pre-approved.

One reason you'll want to find a lender first is to keep from looking at houses that are out of your price range, and getting pre-approved will help you find that range you should be looking in.  Another reason that you'll want to get pre-approved is so that you can discuss with your lender what loan program is best for you.

We can give you a little head start here on your Junction City Home Loans by telling you just a little about the 4 types of mortgages available to you.

  • VA Home Loan 
    • We know there's a good chance that you're in Junction City because you're stationed at Fort Riley.  If you are, then you might be a good candidate for the VA Mortgage Loan.  It's 100% financed, which means that you don't bring any money to closings other than your closings costs.  The VA Loan is one of the best benefits for active-duty servicemen and women as well as veterans.
  • Conventional 
    • This is the probably the most commonly known home loan out there, it requires a 20% down payment on the cost of the home and is great for people who are selling a previous home to move into a new home.
  • FHA
    • The FHA home loan is another government home mortgage that is available and is ideal for first time home buyers, instead of the 20% down payment required by a conventional loan, the FHA Mortgage only requires a 3.5% down payment.
  • USDA
    • This is our final mortgage loan program option for your consideration.  This is also known as the rural development loan and is for people looking to purchase a home in a rural area.  It is similar to the VA Loan in that it is 100% financing and you don't need a down payment.  There are income restrictions and location eligibilty requirements - so double check that you meet those on the USDA website.
There you have it!  Those are the 4 most common options for your Junction City Home Loans, give us a call at (816)268-4025 and we can discuss these with you or help you make a decision, and get you pre-approved right away!

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