Kansas City Mortgage Lenders: Best Rates & Local Expertise
Welcome to Metropolitan Mortgage, Kansas City’s trusted mortgage lender since 1997. We’ve funded over $2 billion in loans for 10,000+ families, helping them achieve homeownership in neighborhoods from Overland Park to Lee’s Summit. Whether you’re a first-time homebuyer, refinancing, or exploring specialized loans, our competitive rates, fast approvals, and local expertise make us the top choice among Kansas City mortgage lenders. Start your journey today!
☎️ Give us a Call or 📅 Schedule a Call Back
Why Choose Metropolitan Mortgage in Kansas City?
Partnering with a local lender ensures tailored solutions for Kansas City’s unique housing market. Here’s why residents trust us:
-
Local Expertise: We know Kansas City, from the Missouri suburbs to Kansas neighborhoods, offering insights into local real estate trends.
-
Competitive Rates: Access some of the lowest mortgage rates in Kansas City, saving you thousands over your loan term.
-
Personalized Service: Unlike national banks, our dedicated loan officers provide one-on-one guidance.
-
Fast Approvals: Our streamlined process delivers quick pre-approvals, empowering you to act fast in Kansas City’s competitive market.
Ready to get started? Get Pre-Approved Today and explore your Kansas City home loan options!
Kansas City Housing Market Insights
Kansas City’s housing market is thriving, with median home prices around $325,000 in 2025 (based on regional trends). Popular areas like Brookside, Waldo, and Olathe attract first-time buyers, while luxury homes in Leawood demand jumbo loans. Our team stays updated on market shifts, ensuring you get financing that fits your goals. Learn more about Kansas City real estate trends.
Current Kansas City Mortgage Rates (Updated September 2025)
Explore our latest mortgage rates, tailored for Kansas City homebuyers and refinancers. Rates vary based on credit score and loan amount—contact us for a personalized quote.
| TERM | |||
|---|---|---|---|
| 30-Year Fixed | |||
| 20-Year Fixed | |||
| 15-Year Fixed | |||
| 7 Yr ARM | |||
| 5 Yr ARM | |||
Note: APR includes interest and fees. Points are optional fees to lower your rate. Use our Rate Calculator to estimate payments or contact us for a custom quote.
Our Kansas City Mortgage Services
We offer a wide range of financing options to meet your needs, backed by our commitment to Kansas City homeowners.
Home Purchase Loans
Whether buying in downtown KC or the suburbs, we provide:
-
Conventional Loans: Flexible terms for qualified buyers.
-
FHA Loans: Low down payments for first-time homebuyers.
-
VA Loans: Zero-down options for veterans and military families.
-
USDA Loans: Affordable financing for rural Kansas City areas.
Mortgage Refinancing
Lower your payments, shorten your loan term, or access home equity. Use our Refinance Calculator to estimate savings.
- Lower your monthly payment
- Take cash-out for home improvements
- Debt Consolidation
- Streamline Refinance
Specialized Loan Programs
From jumbo loans for luxury homes to renovation loans, we tailor solutions to your unique needs. Learn About Specialized Loans
What Makes Us the Best Kansas City Mortgage Lender?
-
Community Roots: As Kansas City natives, we’re invested in our neighborhoods’ growth.
-
Top-Rated Service:
-
“Metropolitan Mortgage made our homebuying process seamless!” – Sarah T., Overland Park.
-
“Effortless Every Step of the Way!” — Emily R., Kansas City.
-
“Strongly Recommend for Refinancing!” — Mark S., Overland Park.
-
-
Transparent Pricing: No hidden fees, ensuring clarity at closing.
-
Free Tools: Use our Loan Calculators to plan your budget.
Kansas City Home Loan Options: Which Is Right for You?
Choosing the right mortgage can be overwhelming. Here’s a quick guide, informed by the Consumer Financial Protection Bureau:
-
Conventional Loans: Best for buyers with strong credit and stable income.
-
FHA Loans: Great for first-timers with credit scores as low as 580.
-
VA Loans: Exclusive benefits for veterans, with no down payment required.
-
Refinancing: Ideal for reducing rates or accessing equity.
Not sure where to start? Schedule a Consultation with our Kansas City mortgage experts.
How to Secure Your Kansas City Mortgage
Follow these steps to get started:
-
Get Pre-Approved: Complete our online pre-approval form to know your budget.
-
Compare Rates: Review personalized quotes from our team.
-
Apply Online: Submit your application via our secure portal.
-
Close with Confidence: Our loan officers guide you through closing.
FAQs About Kansas City Mortgages
Typically, 620 for conventional loans, 580 for FHA loans. We can help improve your eligibility.
Usually 24–48 hours with our streamlined process.
Yes, FHA and VA loans offer low or no down payment options.
Why Kansas City Trusts Metropolitan Mortgage
With decades of experience, we’ve earned our reputation as a top Kansas City mortgage lender. Our NMLS License #227722 and A+ BBB rating reflect our commitment to excellence. Request a Quote to see how we compare.
Contact Your Kansas City Mortgage Lender
Ready to buy or refinance in Kansas City? Call us at (855) 313-2480 or visit our contact page. Let’s make your homeownership dreams a reality!
Metropolitan Mortgage Corporation
7280 NW 87th Terrace, Suite 200
Kansas City, MO 64153
Phone: (855) 313-2480
Hours: Monday–Friday, 8:00 AM–5:30 PM
NMLS License #227722