Mortgage Loan Programs in Kansas & Missouri

Discover the Right Mortgage Program for You

Navigating the world of home financing can be complex, but finding the right loan is the first step toward homeownership. Finding the right financing is the first step toward homeownership. Whether you’re buying a bungalow in Brookside or a new build in Overland Park, we have the right program for the local market.

At Metropolitan Mortgage Corporation, we are a direct lender offering a full spectrum of home loan products designed to meet diverse financial situations and goals—whether you’re a first-time homebuyer, a seasoned investor, or a veteran. We provide competitive rates, flexible terms, and a streamlined application process to help you close quickly and confidently across the markets we serve.

We encourage you to explore our core loan categories below.

Featured Home Loan Programs & Mortgages

Below are the primary loan programs we offer. Click on any program name to explore the detailed requirements, benefits, and local resources specific to each product.

Conventional Loan

As low as 3% down · Best rates · Flexible terms

Best Rates & Terms

Jumbo Loan

Financing above conforming limits · Luxury & high-value homes

For Loans Over $832,750

VA Loan

0% down · No PMI · For veterans & active-duty military

Veterans & Military

USDA Loan

0% down · Rural & suburban properties · Low rates

0% Down · Rural Areas

Home Equity Loan

Tap your equity for renovations, payoff debts, or major expenses

Use Home Equity

Bank Statement Loan

Self-employed? Use bank statements instead of tax returns

Self-Employed Friendly

DSCR Loan

Investor loans based on property cash flow · No personal income

Investor Focused

HomeReady Loan

3% down · Income flexibility · First-time buyer friendly

Low Down Payment

Bridge Loan

Short-term financing to “bridge” the gap when buying before selling

Short-Term Financing

First Time Home Buyers

Low down payment loan programs for fist time buyers

First-Time Buyers

Self-employed Borrowers

Bank statement loans · No tax returns needed · Fast & flexible

Self-Employed

Investment Property

DSCR loans · 15-25% down · Based on rental income, not personal income

Investment Properties

Start Your Home Financing Journey Today

Ready to find out which loan program is right for you? Our mortgage advisors are experts in pairing clients with the perfect product and are ready to provide personalized guidance.

Take the next step:

Get Pre-Approved: Understand your borrowing power and solidify your purchase offer.
Request a Quote: Receive a customized rate and payment estimate.

Apply Online →

❓ Common Questions About Mortgage Programs

What is the difference between conventional and FHA loans?

Conventional loans typically require higher credit scores and allow borrowers to eventually cancel Private Mortgage Insurance (PMI). FHA loans are more accessible, requiring lower credit scores and smaller down payments, but they require mortgage insurance for the life of the loan.

How does the mortgage loan process work?

The process generally involves Pre-Approval (determining how much you can borrow), Application (formal submission and documentation), Processing (underwriting and appraisal), and Closing (signing documents and receiving the keys).

What is required for loan pre-approval?

You will typically need documentation of income (W-2s, pay stubs, tax returns), assets (bank statements), and permission for a credit check. Pre-approval gives you a clear budget before you start home shopping.