The Mortgage Lenders Kansas City Trusts

Congratulations on your decision to buy a new home. Becoming a homeowner is undoubtedly an exciting time that represents new beginnings for you in the Kansas City area.

At Christensen Financial (CFI), a leading mortgage company working with clients throughout the region, we are dedicated to helping you streamline your home purchase. With many years of home financing experience, we work with a variety of loan programs that make the loan process run smoother for all parties involved in the transaction.

800 E. 101st Terrace, Suite 350, Kansas City, MO, 64131
Get Started

How Does the Loan Process Work?

We understand the home purchase process can feel overwhelming for the potential homebuyer, and even more so for first-time homebuyers. It may seem like there are a million details to remember and take care of. At CFI, we strive to simplify and streamline the entire mortgage lending process for you.

To begin with, we work with clients to get them prequalified for a loan. Prequalification helps to save time by informally establishing a possible home loan amount based on factors including income, employment status and debt ratios. With a prequalification, potential homebuyers can browse properties more confidently with the understanding they can likely secure a home loan for the property.

Some of the benefits of prequalifying for a home loan include:

  • Saving time – With home loan prequalification, you save time by not viewing homes that are outside of your price range and budget. Further, this allows you to spend more time researching homes that are in your budget range.
  • Gaining negotiation power – When you’re shopping for homes with a prequalification, you gain more negotiating power with the seller, the realtor or the sellers’ agent.
  • Increased confidence – When you get prequalified for a home loan, you can make an offer with more confidence. By knowing the ballpark amount of financing you have available, realty professionals are more assured when working with you.
  • Faster closing – Getting a prequalification on your home loan can help to expedite the closing process. Undoubtedly, this helps to make your move go smoother and happen faster.

 

The next step after prequalifying for a home loan is completing the formal application process. During the legal application process, you’ll need to supply all requested documents, including W2 forms, tax returns, bank and investment statements and other materials that support your income claims. 

Mortgage lenders will review all this information to process your application and determine your eligibility. Their review will help them determine the final loan amount you qualify for. Once processed, the request gets forwarded to underwriters to decide whether the loan is feasible. Underwriters will also assess the level of risk for the lender. 

Once approved and accepted by all parties in the transaction, the deal is ready for closing. Funding is verified and a time will be scheduled for the buyer and seller to sign all the necessary paperwork to complete the transaction.

What Kinds of Loans Are Available?

At CFI, we offer a variety of home loan and mortgage services for clients throughout the Kansas City area. We’re here to help customers with a range of mortgage products including:

  • Refinancing – Our home refinancing services are ideal for homeowners who wish to secure a lower interest rate, consolidate debt or shorten the length of their original loans.
  • Reverse mortgages – If you already have equity in your home and you’re over the age of 62, a reverse equity loan offers an opportunity to borrow cash against the equity you’ve already built up in your home.
  • Home improvement loans – Sometimes your home needs a bit of TLC or upgrades to keep it looking modern and fresh. CFI helps you make needed enhancements to your residence with home improvement loans that fit your needs.

 

Take Advantage of Loan Programs

CFI is happy to work with borrowers to find the best loan programs available to them. Available loan programs include first-time homebuyer programs and Veterans Affairs programs. While each program offers distinct benefits, some of the advantages of these loan programs include low or no down payment requirements, down payment assistance, federal tax credits and financial aid with closing costs.

Streamline Your Home Buying Experience

Buying, refinancing or taking out a reverse mortgage loan can be a complicated process. When you work with the friendly and helpful loan officers at CFI, we work ceaselessly to help you secure the best deal on your financial service product in Kansas City. We’re always happy to answer any questions you have so that you can become a more educated homebuyer.

Need Help Crunching the Numbers?

Use our calculators to help you estimate how much you can afford on a new loan or what you could save with a refinance.

Our Process

Mortgage

Lorem ipsum dolor sit amet, consec tetur adipisc ing elit, sed do eiusmod tempor incididunt

Reverse Mortgage

Lorem ipsum dolor sit amet, consec tetur adipisc ing elit, sed do eiusmod tempor incididunt

First Time Home Buyers

Lorem ipsum dolor sit amet, consec tetur adipisc ing elit, sed do eiusmod tempor incididunt

Mortgage Refinance

Lorem ipsum dolor sit amet, consec tetur adipisc ing elit, sed do eiusmod tempor incididunt

Home Improvement Loans

Lorem ipsum dolor sit amet, consec tetur adipisc ing elit, sed do eiusmod tempor incididunt

Government Loans

Lorem ipsum dolor sit amet, consec tetur adipisc ing elit, sed do eiusmod tempor incididunt

Get In Touch

Lorem ipsum dolor sit amet, consectetur adipiscing elit. In dignissim, lacus vitae tempus elementum, tellus mauris dignissim lectus, eu placerat sem mauris non magna. Mauris purus.