Hassle-Free Home Loans

Congratulations! You're ready to purchase a home!


How do I get a Home Loan?

Getting a home loan can seem overwhelming, but it can be broken down into several manageable steps. Here’s what you need to do to get a home loan:

Check your credit score:

Your credit score is a critical factor that lenders use to determine your eligibility for a home loan. Aim to have a credit score of 620 or higher to qualify for a conventional loan. You can get preapproved with a score as low as 500.

Gather your documentation:

Your loan officer will require documentation such as tax returns, W-2 forms, pay stubs, and bank statements. Have these ready to provide to your LO.

Get pre-approved:

Getting pre-approved for a loan will give you an idea of how much you can borrow and what your interest rate will be.

Choose your loan type:

There are many types of home loans, including conventional, FHA, VA, and USDA loans. Choose the type of loan that best fits your needs and financial situation.

Close the loan:

If your loan is approved, you will need to sign the loan documents and provide any necessary closing costs before the loan can be funded.

Remember, the home loan process can be complicated and time-consuming, but working with a reputable lender can help make the process smoother. Be prepared, ask questions, and make sure you understand the terms of your loan before signing on the dotted line.

Key Features
  • Fixed Rates
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

What is the process?

Here’s how our home loan process works:

  1. Complete our Fixed Rate Mortgage Qualifier
  2. Receive personalized loan option
  3. Compare mortgage interest rates and terms
  4. Select the offer tailored to your needs!

Have any questions?


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Meet The Team

Our team of experts are committed to providing personalized guidance throughout the mortgage process, ensuring that you have all the information you need to make informed decisions about your loan. From pre-qualification to closing, our team will work with you every step of the way to make your mortgage experience as smooth and stress-free as possible. Contact us today to schedule a consultation and start your journey to owning your dream home.


National Director of Sales Development

NMLS# 1938889

Licensed in MO, KS, AR, CO, FL

Gabriel Axtell

Branch Manager

NMLS# 2012807

Licensed in MO, KS, AR, CO, FL

Evan Dockstader

Branch Manager

Leslie Dean

Branch Marketing Leader

Sergey Khokhlan

Loan Originator

NMLS# 2121155

Speaks: English & Russian

Andy Heffner

Loan Originator

NMLS# 2045703

Speaks: English

Michael Lindsay

Loan Originator

NMLS# 2215322

Speaks: English

Eugenia Kashubin

Loan Originator

NMLS# 2242302

Speaks: English & Ukrainian

Dustin Sullins

Loan Originator

NMLS# 2070053

Speaks: English

Phillip Zverev

Loan Originator

NMLS# 2264664

Speaks: English & Russian

Jeff Johnson

Loan Originator

NMLS# 2565520

Speaks: English

Kristina Borishkevich

Loan Officer Assistant

Amanda Britain

Loan Officer Assistant