Kansas City Office
7280 Northwest 87th Terrace Suite 200
Phone: (855) 313-2480
Hours
Monday – Friday: 8:00 AM – 5:30 PM
Saturday & Sunday: Closed
Mortgage Loans We Offer in Kansas City, MO
Conventional Loan
As low as 3% down · Best rates · Flexible terms
Jumbo Loan
Financing above conforming limits · Luxury & high-value homes
VA Loan
0% down · No PMI · For veterans & active-duty military
USDA Loan
0% down · Rural & suburban properties · Low rates
Home Equity Loan
Tap your equity for renovations, debt consolidation, or major expenses
Bank Statement Loan
Self-employed? Use bank statements instead of tax returns
DSCR Loan
Investor loans based on property cash flow · No personal income required
HomeReady Loan
3% down · Income flexibility · First-time buyer friendly
Bridge Loan
Short-term financing to “bridge” the gap when buying before selling
What Kansas City Homeowners Are Saying
Real reviews from real Kansas City homeowners
"Great people to work with. Kind and helpful."
Google Review
"We can’t say enough good things about Rick Woodruff!"
Google Review
"Rick was awesome. Always available with anything needed. Would definitely recommend Rick!!"
Google Review
"Competitive rate, prompt responses, honest and sober advice, and no issues or delays leading up to the close of our home."
Google Review
Frequently Asked Questions – Kansas City
What credit score do I need to buy a home in Kansas City right now?
Most lenders (including us) are approving FHA loans at 580+ and conventional at 620+. We’ve closed buyers at 550 with compensating factors in 2025.
How much are closing costs in Platte / Clay County?
Typical closing costs run 2–4 % of the purchase price. We routinely cover up to $7,500 in lender credits on purchases over $300k.
Do you offer down-payment assistance for Northland first-time buyers?
Yes — we’re approved for MHDC First Place (up to 4 % assistance) and several local Northland programs. Many clients close with $0–$1,000 out of pocket.
How fast can you close in the Northland?
Our average clear-to-close is 21 days. We’ve closed cash-out refinances in 12 days and purchases in 17 days this year.
Ready to Get Started?
Work with a local Kansas City lender who knows your neighborhood.
Apply Online in Minutes →Or call us at (855) 313-2480