AGF Mortgage in Kansas City - Mortgage in Kansas City Missouri |Mortgage brokers or agents in Kansas City Missouri| Mortgage broker loan rate in Kansas City, Kansas, MO, KC

Who is AGF Mortgage, Inc.

Snapshot of our loans Programs

Since 1993, AGF Mortgage Inc has been originating mortgage loans for primary and rental homes in Kansas and Missouri. Since most of our current borrowers are our existing customers, their families or their friends, that indicates that we have been treating our borrowers very well.

Click here to see what our clients are saying!

Pre approval for :

You Primary Home
Your Rental Home

For pre-approval, If you are salary employee, please provide us the following documents:

W2 for 2 years
Your Last Pay Stubs
Your Bank Statements
Copy of your Driver License
others may require depending you employment status.

If you are self-employed, please provide us the following documents:

Two years Personal tax returns
Two Years Business tax return if your business corporation or LLC
Your Bank Statements
Copy of your Driver License
others may require depending you employment status

Online Application

Mortgage Interest Rates

Confirming Rates for Kansas and Missouri

Years Fixed	Rates	Origination	APRS*
30/25/20	4.375 %	00.000	4.401
15/10	3.625%	00.000	3.715
FHA Rates
30	3.875	FHA Fee	4.985
15	3. 625	FHA Fee	4.246%

The above rates are for 8/08/2014 based on loan amount of $250K and credit score of 760 for Kansas and Missouri residence. There are many factors which effects the rates such as Loan size, Loan to Value credit score, property types. To get accurate rate pleas call or complete form showing bellow..

Phone 816 361-9988

Please complete the this form, so we could provide you a reliable rate

Loan Amount:

Loan Term:

Type of Loans:

Finance Types:

Primary/ Rental:

Property Types:

Property Value:

Purchase Price

City:

State:

Name:

E-Mail:

Phone:

Best Time to Call:

Your Credit Score:

Comment:


Conforming Loans

Min. loan size: $50K	Max. loan size $417K
Min. down payment 5%	Terms: 30,20,10,15 Yrs


Jumbo Loans

Min. loan size: $417	Max. loan size $2 Mills
Min. down-payment 20%	Terms: 30,15 Yrs or 5/1


FHA Loans

Min. loan size: $50K	Max. loan size 271K
Min.down payment 3..5%	Terms: 30,15 Yrs


Loans on Rental Homes

Min. loan size: $50K	Max. loan size $417K
Min.down Payment 20%	Terms: 30,20,10,15 Yrs
Better rate with 25% down-payment.


Harp Loans Programs
For primary home:
Min. loan size: $50K	Max. loan size $417K
125% of home value	Terms: 30,25,15,10 Yrs
For Rental Home
Min. loan size: $50K	Max. loan size $417K
105% of loan to value	Terms: 30,25,15,10 Yrs


Reverse Mortgage
A- Saver Fixed Rate : Interest rate is Fixed and borrower takes all available funds at closing one lump sum disbursement .
B-Traditional Adjustable: The borrower could gets the most funds and has more flexibility to accessing the available funds. In this plan there is 2% upfront Mortgage insurance.
C-Saver Adjustable: Similar feature and benefit of the traditional Adjustable but typically the available Fund is 10% -18% less tan Traditional Adjustable and FHA upfront fee is .0001%
To visit our Reverse Mortgage page click here.

No Closing Cost Programs

our no closing programs allow you to lower your interest rate and monthly house payment without having to pay any closing costs. We typically are getting some credit from our investor and paying your closing costs but, your rate will be a little bet higher than if you would have paid the closing costs yourself or would add the closing costs to the loan. To qualify for the no closing cost loan, your loan amount has to be over $100,000.

For any question Please call:

Phone : 816- 361-9988

Thank you for visiting our web site. Whether you are searching for a loan to buy your dream home, a lake house, a rental home or to refinance your existing First mortgage in Kansas and Missouri with low rates or Reverse Mortgage in Kansas or Missouri, you are in the right place. Below is a sample of a few of the loan programs we offer home owners and investors in Kansas and Missouri.
Loan Programs

First Mortgage for Primary Home

Conforming and FHA Mortgage loan for purchase or refinance in Kansas City , Liberty, Blue Springs Missouri

First mortgage up to 95% with fixed rates	FHA loans up to 96.5% for purchase
First mortgage up to 90% with fixed rates	FHA Streamline Refinancing
First mortgage up to 80% with fixed rates	FHA cash out refinance up to 85%
Call for details

Closing costs

Closing Costs of Conforming Loans on 1 unit Primary in Kansas City, Liberty, Blue Springs Missouri


These are the estimated closing costs based on zero point and zero origination with the loan amount of at least $80,000. If the borrower chooses to pay origination fee, then the origination points should be added to the loan amount. Each point is equal to one percent of the loan amount. So, one point origination on a $100,000 loan will be $1,000. Please call for more detail.
		Kansas	Missouri
	Appraisal fee for the single family unit. (If value over 500K Please call)	$405	$405
	Administration fee, tax service fee and flood Certificates fee	$759	$759
	T itle company's Settlement and recoding fees	$330	$355
	Title Insurance cost:	click here	click here
	Transfer Tax: For Kansas Registration or Transfer Tax, a dd $2.6 for each thousand dollars Loan.	add here	000

Second Mortgage

Second Mortgage or Line of Credit Kansas City, MO

	Home equity loan or Line of Credit up to 90%		Second Mortgage or Line of Credit 75%
	Second Mortgage or Line of Credit 80%		Second Mortgage or Line of Credit 70%

FHA Loans In Kansas and Missouri

Call for details

FHA Loans in Overland, Leawood, Olathe, Shawnee Mission, KS


	FHA Loan with 3.5% Down with Credit Score of 660 and up	FHA loans on 1 to 4 units owner occupied properties
	FHA Loan for refinancing in, Kansas and Missouri	FHA Cash out refinance up to 85%
Call for details

Affordable payday loans in Missouri


Missouri consumers are welcome to apply for payday loans online if they can't pay the monthly mortgage payments. According to Missouri lending law, Mo. Rev. Stat. §§ 408.500.1 et seq., MO residents may get online payday cash loans with reasonable interest rates and no additional charges. Check the rates and fees below. If you have more questions, please call us for more details.
	Minimum amount	$405
	Maximum amount	$500
	Min. term	14 days
	Min. term	31 days
	Min. APR	Please Call
	Max. APR	Up to 700%
	Collection fees	None
	Collateral	None
	Nr. of simultaneous loans	Not limited but no more than $500 from a lender
	Rollovers	5
	Credit Score	Available for Bad Credit

Repayment Plans for Missouri Payday Loans for 31 Days


Loan Amount	Fee per $100	APR	Total Due Sum
$100	$15	600.00%	$115
$200	$30	580.00%	$230
$300	$45	540.00%	$345
$400	$60	521.00%	$460
$500	$75	500.00%	$575

Appraisal Value

HARP-Refinance your Mortgage with Making Home Affordable Plan Kansas and Missouri

Under this plan, eligible homeowners can refinance their mortgages to a new, potentially lower interest rates, with additional flexibility to assist many homeowners who have previously had difficulty refinancing due to declining property values. Borrowers will need to be current on their mortgage payments to qualify for this refinance.

The new loan can not exceed 105% of new appraisal value.

Example: Two years ago, you bought a house for $100,000 and you got a loan for $80,000 with 6.00% or higher interest rate. You loan did not have mortgage insurance. Now, due to the declining home values your home appraises only $80,000. With this plan your loan will not decline due to the property value.

Your Current Loan

Your current loan should be Fannie Mae's loan but could be serviced with any bank or mortgage company such as: Bank of America, Citi, Chase, Countrywide, Fifth Third Bank, Well's Fargo, Washington Mutual, Capital Federal Saving, JB Nutter, or others.

New loan Amount

Your new loan amount will include:

	Balance of existing loan
	Closing costs
	Prepaid Items

But, can not exceed 105% of the new appraisal value.

Who Should Apply?

The borrowers who are homeowners and are current on their mortgage payments, but unable to refinance because of their homes value have decreased. With this Fannie Mae' home affordable loan plan, they may be able to refinance and convert:

	Fixed high interest rate mortgage to fixed low interest rate mortgage
	Adjustable rate mortgages ( ARM ) to fixed-rate mortgage

With no Mortgage Insurance

The new loan will not have mortgage insurance. but, If your existing loan has mortgage insurance it will not qualify for this plan.

No Cash out

You can not get any cash out from this transaction at closing.

Property Types

Single Family Dwelling

Duplex or 2 units

Triplex or 3 units

Four units

Minimum Credit Score

For Fannie Mae's DU Refinance plus: 640 for Primary home and 680 for second home and investment properties

For Freddie Mac, there is no minimum credit score requirements but, if principal and interest payment is increasing

by 20% then the minimum credit score requirement is 640.

Loan on Rental Homes in Lee's Summit, Liberty, Blue Springs Missouri, Kansas city, Missouri

Loan on Rental Homes

Up to 80% for 1 unit for purchase or refinance	Up to 75% for 3 to 4 units
Up to 75% for 1 to 2 units	Over 4 units see the commercial section
Call for details

Commercial Loan with low rate in Lee's Summit, Liberty, Blue Springs Missouri

Commercial Loan

AGF Mortgage, Inc. offers low rates conventional commercial and SBA loan for small and mid-size businesses in 37 states.

Doc Type	Full Income and Stated Income
Loan Size	From $100,000 to $10,000,000
P roperty Type	Apartment, Multi-Family (5 plus units), Mixed Use Office, Retail Building, Warehouse, Self Storage, Mobile Home Park, Bed and Breakfast, Assisted Living Facility, Light Industrial, hotel with flag, hotel with no flag, hotel with flag, motel with no flag, Automotive Service, Gas Station, Church, RV Park, Health Care, Restaurant, Land, etc.
Loan Type	Purchase, Refinance, SBA 504 Loan, SBA 7(a) Loan, Hard Money, and Construction Loan
Fixed Period	2, 3, 5, 7, 10, 15, 20 and 30 years fixed rate
Loan Term	15, 20, 25, and 30 years
LTV on Commercial loan	Up to 80% . Loan to value has a direct effect on commercial loan rates. Borrowers borrowing up to 50, 55, 60, 65, 70, 75% of the property value, will receive considerably lower commercial loan rate than borrowing 80% .
LTV on SBA Loan	SBA 504 Loan and SBA 7(a) Loan up to 85% or 90%. In SBA loan, Owner needs to occupies at least 51% of the building.
States We Offer Commercial Loan	Alabama, Alaska, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Missouri, Montana, New Hampshire, Nebraska, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Tennessee, Utah, Virginia, West Virginia, Vermont, Washington, Wyoming, Ozark, Branson
	For more commercial loan programs, rates, and details, click here

Reverse Mortgage in Kansas and Missouri

A- Saver Fixed Rate :

There will never be any change in interest rate. Borrower is required to take all available funds at close of the escrow, one lump sum disbursement. Call for more information.

Traditional Adjustable:

Allows the borrower to get the most funds. The index in one month LIBOR. Borrower has more flexible option to accessing available funds. More cash available in this plan and there is 2% upfront Mortgage insurance. Call for more information

Saver Adjustable:

Similar feature and benefit of the traditional Adjustable but typically the available Fund is 10% -18% less tan Traditional Adjustable and FHA upfront fee is .0001%

Interest Rate Explanations

Kansas Mortgage Rate and Missouri Mortgage Rate Explanations

The Mortgage interest rates for Kansas and Missouri homeowners are based on the loan size and the credit scores. Due to the fact that rates change by the hour, for more accurate rate, please complete the contact request form with your approximate loan size, property type, and your credit score. A loan officer will be happy to provide you with a more accurate Mortgage rate quote. You could also call us any time from 8 am to 7 pm seven days a week.

Mortgage interest rates will be based on the borrower's credit score. The higher the credit score the lower the Mortgage rate would be. Mortgage rates and the percentage of loan to value change for 660, 680, 700, 720, 740, 760 and 800 credit scores.

No Cost

Pre-Approval

No Cost Pre-Approval in Kansas city, Overland Park Kansas

These days, getting a pre-approval is the norm. Some home owners and real estate agents are hesitant to show you homes if you have not been pre-approved. If you are in the market to purchase an owner-occupied residence, a second home, or a rental property, you need to apply for a pre-approval.

A Few Helpful Tips

Tip #1	Don't buy what you have been qualified for. Buy what you can really afford. After you close the loan, you are the only one responsible for the payments, not the loan officer of lenders.
Tip #2	If you are short on cash for closing, ask the sellers if they are willing to pay all or part of your closing costs. lenders allow for the seller's contribution toward closing costs and prepaid items
Tip #3	Don't get Option Arm Loans. Those could be disastrous and could ruin your credit if you are not careful.

Why AGF Mortgage should be your choice?

AGF Mortgage, Inc. mortgage broker was founded in 1993 with a commitment to Kansas and Missouri residents to provide the best possible real estate loans for owner occupied, non owner occupied (rental home), and second homes with low rates and low closing costs.

When it comes to our rates, whether you are an employee or self employed, you will find the most suitable home loan program among hundreds that we offer through over many investors banks mortgage lenders. Our experience makes the loan processing smoother and faster.

We challenge the major lenders, banks and mortgage lenders in this area such as Chase, Bank of America and others with our low costs and excellent service. Since unlike some Banks and other mortgage lenders our overhead is low so, we are able to offer lower rates and closing costs.

Reasons to Refinance the Current Mortgage

Primary Reasons to Refinance the Current Mortgage	Other Reasons to Refinance

Your current loan consists of first & second mortgages and you want to combine those into one loan with a low rate	Pay off high rate and high monthly payment of credit cards
	Pay for down payment of rental or investment homes
Your loan has a high interest rate	Pay for down payment of a 2nd or a lake home
Your current Mortgage has variable rate	Pay for remodeling of your home
Pay off personal or car loans	Pay for children's college tuition
Pay off student loans

Loan on Investment Property

Loan on Investment Property in Lee's Summit, Liberty, Blue Springs , Kansas city Missouri

Are you searching for a loan to purchase or refinance a multi family property from 1 to 4 units (1unit, duplex, triplex or 4-plex) of rental home with low rates and low closing costs? Would you like an expert loan officer to answer any question you may have? If so, you are in the right place. We at Kansas City, have been providing loan on investment properties for our clients for the past 15 years. For rental properties over 4 units, visit AGF Commercial Loan site. The states that we offer our commercial loan are: AL, AK, CO, CT, DE, GA, ID, IN, IL, IA, KS, KY, LA, ME, MD, MA, MI, MO, MT, NH, NC, NE, NM, OH, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV, WY

For 1 to 4 units rental properties

For multi family rental properties over 4 units, visit AGF Commercial Loan

Can Seller Pay Buyer's Closing Costs?

Can Seller Pay Buyer's Closing Costs

Yes, the amount of that lenders allow for the seller's contribution toward closing costs and prepaid items depends on the loan program and the percentage of the down payment. If the down payment is between 0 and 5%, then some programs limit the seller's contribution to 3%, but if the down payment is 10% or more, the seller 's contribution could be up to 6%. However, lenders won't allow the seller's contribution to exceed the actual closing costs and prepaid items.

Property Tax	2 to 3 months
Hazard Insurance	14 months
Pre-paid Interest	1 to 25 days

W hen we pre-approve the loan, we will give our borrowers the estimated pre-paid items along with the closing costs within $100 of the actual costs. For more details, please call 800-930-4243

Refinance to pay for College Tuition

Refinance to pay for College Tuition in Lee's Summit, Liberty, Blue Springs Missouri, Kansas city, MO

These days, finding good paying jobs without college education is getting harder and harder and at the same time getting student loans by the students are becoming very difficult. Even when the student loan is available, interest rates charged by the financial intuitions are very high!

Recently, more student's parents and grandparents are stepping in to help their children by using the existing equity of their homes to pay for their children's or grandchildren's tuition! In these cases, since repayment periods are longer, monthly payments will be lower than regular student loan and in most cases the interest will be tax deductible for the borrowers.

There are three ways that borrowers can borrow from their equities to pay for college tuitions.

By cash out refinancing of the first mortgage

By getting a second mortgage

By getting home equity line of credit

For more details, please call (816) 361-9988 or 800-930-4243

Commercial Space for Rent or lease: Commercial Office, Retail, Warehouse and Industrial Space for Rent or Lease in Kansas City and overland park

AGF Mortgage, Inc. Local Mortgage broker, is licensed in KS and MO. located in Kansas City, Missouri Residential Mortgage broker License Registrant NO. 08-063 and Kansas Residential Mortgage broker License Registrant NO. MC.0002312.

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