Mortgage Loans
Apply Online Click Here
Citizens Federal Savings Bank is a preferred home loan provider with emphasis on competitive interest rates and low closing costs. We specialize in VA and Conventional loan programs featuring in-house processing, underwriting, and closings. Our staff is available to meet with you face to face as opposed to calling a toll free number during the process. We can service the loan locally which means you will deal with us directly for payments and escrow matters.
We offer mortgages to purchase a new home or to refinance your existing one. With a variety of loan types offered, we have a solution designed to meet your needs. We also offer construction loans if you are building the home of your dreams.
We can help you get started if you are in the market to purchase a new home. Our “First Step” program is designed to be quick and easy. A short application is completed to determine the monthly payment and price range you would qualify for. Upon approval, you will have an advantage over other potential buyers who have not obtained the approval status featured with this program. Contact Teana Hundley or Karen DePriest and take your First Step towards your new home.
Our loan officers have the knowledge and experience necessary to take the guess work out of the home loan and financing process. Our staff resides within the same communities that we serve and look forward to serving your financial needs well into the future.
Mortgage Lending Services
- Conventional Loans
- VA Loans
- LAPP and Automatic Approval for VA Loans
- FHA Loans
- Lending area in all 50 states (call for states outside Kansas and Missouri)
- In-House Processing and Underwriting
Mortgage Loan Rates
| Loans | APR* |
|---|---|
| Conventional 30 Year Mortgage Loan | 6.17% |
| Conventional 15 Year Mortgage Loan | 5.68% |
| VA 30 Year Mortgage Loan | 6.29% |
| VA 15 Year Mortgage Loan | 5.89% |
*APR = Annual Percentage Rate. Rates are subject to credit approval and to change without notice. The bank will determine your rate by credit background, specific loan terms, payment method and collateral.
Applying online is as easy as 1-2-3. You can apply in as little as 20 minutes.
- Click Apply Now and complete the application.
- When you have completed the application, click submit and your information will be reviewed for instant online approval.
- A Citizens Federal Savings Bank Loan Officer will follow up to answer your questions.
Our goal is to provide the highest level of personal service at competitive rates. If you wish to speak with our Loan Officers, please contact Teana Hundley or Karen DePriest at (913) 727-1040.
You may also reach our Online Home Loans team here.
NMLS# 421886
