Find the Perfect Loan Program for You
Finding a great home loan involves careful consideration of your needs, finances and history. We're here to guide you.
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Loan Options we Offer
Discover our tailored loan options, designed to fit your unique needs and make your mortgage journey seamless and stress-free.
Purchase Loans
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.
Purchase Loans
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.
Purchase Loans
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.
Purchase Loans
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.
Purchase Loans
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.
Purchase Loans
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.
Purchase Loans
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.
Purchase Loans
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.
Purchase Loans
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.
Refinance Loans
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.
Refinance Loans
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.
Refinance Loans
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.
Refinance Loans
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.
Refinance Loans
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.
Refinance Loans
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.
Investor Loans
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.
Investor Loans
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.
Investor Loans
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.
Commercial Loans
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.
Commercial Loans
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.
Commercial Loans
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.
Commercial Loans
Portfolio Loans
For investors with multiple properties, Portfolio loans consolidate several homes under one loan, simplifying management and potentially improving financing terms.
Commercial Loans
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.
Commercial Loans
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.
Commercial Loans
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.
Commercial Loans
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.
Commercial Loans
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.
Real Experiences. Real Confidence.
I am extremely satisfied with the service that Heritage Mortgage KC offers!
— A.D. - Realtor
No other mortgage company would have been as persistent and knowledgeable!
— E.P.
The personal care and attention to detail by the entire staff was amazing!
— L. & D. Jones
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
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