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Mortgage Rates Kansas City

Take Advantage of these Historically Low Mortgage Rates!

Compare Mortgage Rates and calculate your monthly payment.

Or Call Us at (913) 642-8300

Today’s Best Mortgage Rates

Metropolitan Mortgage rates assume good credit (a middle FICO credit score of 740+), refinancing or purchasing a home as your primary residence (single-family residence). Get started with a Mortgage Lender that you can trust!

TERM
RATE
APR
POINT(S)
30-year fixed mortgage rate
3.125%
3.160
0
20-year fixed
3.000%
3.100
0
15-year fixed mortgage rate
2.750%
2.810
0
7 Yr ARM
3.250%
3.515
1
5 Yr ARM
3.250%
3.515
1

Minimum credit score is 620.

TERM
RATE
APR
POINT(S)
30-year fixed
3.250%
3.600
0
15-year fixed
3.250%
3.440
0
5 Yr ARM
3.250%
3.685
1

Minimum credit score is 640.

TERM
RATE
APR
POINT(S)
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.

TERM
RATE
APR
POINT(S)
30-year fixed
3.875%
4.111
0

Minimum credit score is 640.

TERM
RATE
APR
POINT(S)
30-year fixed
4.000%
4.185
0
15-year fixed
3.875%
4.060
0
7 Yr ARM
4.000%
4.118
1
5 Yr ARM
3.875%
3.996
0

Minimum credit score is 680.

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Mortgage Rates Kansas

Home Financing Assumptions

The best financing terms are subject to change without notice and are exclusive to Kansas or Missouri Properties only.

Best Mortgage Rates are based upon following scenarios:

  • Purchase or refinance rates of a primary residence (single family residence) that is owner occupied. Refinance cash-out or Investment properties may have different terms.
  • A maximum debt-to-income ratio of 45 percent or less.
  • The minimum credit score is listed on the tabs above.
  • An escrow account (property taxes, insurance, and PMI).
  • Lock-in for a period of 30 days.
  • Financed amount of $250,000.
  • A loan-to-value ratio is <=75 percent.
  • Terms; 30-year fixed, 25-yr rates, 20-yr, 15-yr and 10-yr.
  • Adjustable Rate Mortgages (ARM) terms: 7/1 and 5/1.

Get a Personal Quote today!

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

Best Lending  Programs:

  • Conforming Conventional
  • FHA (federal housing administration)
  • VA (no down payment)
  • USDA
  • Jumbo

First-time home-buyer products available with a good credit score and credit history.

What are Origination Points?

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

Points are calculated in relation to the amount borrowed. Each point equals one percent of the 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 are Annual Percentage Rates (APR)?

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

The interest rate is the cost you will pay each year to borrow the money, expressed as a percentage. 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. In general, the APR reflects not only the 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 rate.

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

Contact us today!

Need Help? Call our local office at (913) 642-8300. Speak with a Loan Officer in the City of Overland Park ks to learn more about our best lending products. Use our calculator to run payments using today’s best rate!

Refinance Rates subject to change without notice.

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