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Mortgage Rates Kansas City

Compare Mortgage Rates and calculate your monthly payment.

Or Call Us at (913) 642-8300

Today’s Mortgage Rates in Kansas

Mortgage rates assume good credit (a middle FICO credit score of 740+), refinancing a mortgage loan or purchasing a home as your primary residence (single-family home) in Kansas City. Select from the mortgage loan financing rate tabs below for available mortgage rates:

Conventional Mortgage Rates

Term
Mortgage Rate
APR
Points
30-year fixed rate
3.250%
3.285
0
20-year fixed rate
3.125%
3.225
0
15-year fixed rate
2.875%
2.935
0
7 Yr ARM
3.250%
3.515
1
5 Yr ARM
3.250%
3.515
1

Minimum credit score is 620 for Conventional Financing in Kansas City. Use monthly Payment Calculator tab to run a monthly payment. Lower credit scores will have a higher mortgage rate on Conventional Loans.

FHA Mortgage Rates

Term
Mortgage Rate
APR
Points
30-year fixed
3.250%
3.600
0
15-year fixed
3.250%
3.440
0
5 Yr ARM Rates
3.250%
3.685
1

Minimum credit score is 640 for FHA financing in Kansas City. Use monthly Payment Calculator tab to run a monthly payment.

VA Mortgage Rates

Term
Mortgage Rates
APR
Points
30-year fixed
3.000%
3.340
0
15-year fixed
3.000%
3.180
0
5 Yr ARM
3.000%
3.425
1

Minimum credit score is 640 for VA Financing in Kansas City. Use monthly Payment Calculator tab to run a monthly payment.

USDA Mortgage Rates

Term
Mortgage Rate
APR
Points
30-year fixed
3.875%
4.111
0

Minimum credit score is 640 for USDA Financing in Kansas City. Use monthly Payment Calculator tab to run a monthly payment.

Jumbo Mortgage Rates

Term
Mortgage Rates
APR
Points
30-year fixed
4.000%
4.185
0
15-year fixed
3.875%
4.060
0
7 Yr ARM Rate
4.000%
4.118
1
5 Yr ARM Rate
3.875%
3.996
0

Minimum credit score is 680 for Jumbo Home Loans in Kansas City. Use monthly Payment Calculator tab to run a monthly payment.

Using our Mortgage Calculator is easy! Just enter the desired loan amount, the interest rates, loan term; such as a 30-year fixed and click calculate to see monthly payment and amortization.

Amortization Calculator
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Need help? Speak with a Kansas City Loan Officer to help you choose the best mortgage interest rates. (913) 642-8300

Mortgage rates subject to change without notice.

Mortgage Rates Kansas

Kansas and Missouri (Kansas City) Mortgage Rates

Interest Rate and Mortgage Loan Financing Assumptions

  • Mortgage loan programs and mortgage rates are subject to change without notice.
  • Mortgage Rates in Kansas or Missouri only.
  • Mortgage Rates are based on a home purchase or mortgage refinance (rate and term loan) of a primary residence that is owner occupied. Mortgage rates for a refinance cash-out or Investment property loans may have different loan terms.
  • A maximum mortgage loan debt-to-income ratio of 45% or less.
  • The minimum credit score is listed on the mortgage rates tabs above.
  • A mortgage escrow account (property taxes, insurance, and PMI).
  • Mortgage Rate lock for a period of 30 days.
  • Borrowing a mortgage loan amount of $250,000.
  • A mortgage loan-to-value ratio is <=75%.
  • Mortgage rate terms; 30-year fixed rates, 25 year fixed rates, 20 year fixed rates, 15 year fixed rates and 10 year fixed rates.
  • Adjustable Rate Mortgages (ARM) terms: 7/1 loan rates and 5/1 loan rates.
  • Kansas City loan programs: Conforming Conventional, FHA (federal housing administration), VA (no down payment), USDA and Jumbo mortgage loans.
  • First time home buyer products available with a good credit score and credit history may receive lower rates.

We don’t have your personal information and the mortgage rates and loan terms may not reflect your actual situation. We offer a wide variety of mortgage rates and home loan lending products that you may still qualify for, even if your situation doesn’t match our loan rate offers.

What are Loan Origination Points?

Points allow you to make a trade-off between your upfront loan costs and your monthly payment. By paying points, you pay more upfront, but you receive a lower interest rate. This can be a good choice for someone who knows they will keep the home for a long time.

Points are calculated in relation to the loan amount. Each point equals one percent of the loan amount borrowed (for example, if you borrowed $100,000 one point on would be $1,000). This fee is paid at closing and increase your closing costs as reflected on your Loan Estimate (LE) and on your Closing Disclosure (CD) on page 2, Section A.

What is a mortgage loan Annual Percentage Rate (APR)?

The APR reflects the mortgage rate plus other charges. There are many costs associated with taking out a home mortgage. These include; the interest rate, point(s), fees, other charges.

The mortgage rate is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges you may have to pay.

An APR is a broader measure of the cost to you of borrowing money, also expressed as a percentage rate. In general, the APR reflects not only the mortgage rates but also any point(s), broker fees, and other charges that you pay. For that reason, your APR is usually higher than your interest rates.

If you have applied for financing and received a LE from one or more home mortgage lenders, you can find the mortgage rates on page 1, under Term, and the APR on page 3 under Comparisons.

Contact our local Kansas City Office for your personalized mortgage loan interest rate quote!

Need Help? Call our local office at (913) 642-8300. Speak with a Loan Officer in the City of Overland Park Kansas to learn more about our mortgage rates and mortgage loan products.

Mortgage loan rates subject to change without notice.

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