Find out why a local lender is best

We know you have a lot of choices when it comes to a home loan lender. Give us a few minutes to tell you why choosing a local lender is best.

We can give you:

  • Timely loan closings
  • Lowest closing costs, fees and interest rates in the area
  • Home loan servicing always handled locally

Learn more about the mortgage loan process

Check out our mortgage area which contains step by step resources for every home loan situation. Prefer to talk in-person? Our loan officers would gladly meet with you. They can answer any questions you may have or provide a general explanation of the home loan process. To set up an appointment, call 785-625-7345 (Hays) or 785-726-3157 (Ellis) and ask to meet with a loan officer regarding a home loan.

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Do the math

For the do-it-yourselfer, our calculators make it easy to see what your mortgage payment will be. We also have calculators to see how much mortgage you might qualify for or what type of mortgage would be best for you.

Start Calculating

See our current interest rates

Rising interest rates have been talked about a lot lately in the news. Keep in mind, however, that home loan rates are still historically very low. Our rates page makes it easy to check our current offering interest rates.

See Interest Rates

Get pre-qualified

We offer a free pre-qualification service. It's simple, easy and free!

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Ready to fill out an application

It's easy to get started. Just fill out an application and submit it to us. Click on "Apply Now" to open a PDF application. Follow the instructions provided.

Apply Now


First-Time Homebuyers

We offer programs specifically designed to help you!

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