It's a mortgage you can feel good about.

Experience our quick, easy, and free pre-qualification process.

Our pre-qualification process is quick, easy, and free. We simply review your financial situation and work together to determine what you can afford. Once pre-qualified you can negotiate your purchase confidently, knowing with certainty how it will effect your monthly budget. If you are pre-qualified we can move straight to closing your loan as soon as you sign a contract. However, if you decide to use another lender or hold off on purchasing home, you are under no obligation to us.

Receive the lowest closing costs and interest rates in the area–GUARANTEED.

We give you the lowest closing costs and interest rates in the area. That’s something that we stand behind with a guarantee. If you receive a Loan Estimate from another lender, with a lower interest rate or lower closing costs, just show us the competitor’s Loan Estimate and we will match their offer.*

*Matching guarantee is limited to interest rate and loan costs as identified on the Loan Estimate. Our matching guarantee does not apply to prepaids or initial escrow deposits. 

Know that your home loan will always be serviced locally.

A home loan is not a short-term relationship. That’s why we remain as the servicer throughout the life of your mortgage loan. That means you won’t wait on hold or deal with unanswered email inquiries. Your questions will always be answered by a person at your local branch. No robots. No runaround.

Get started now!

Click on the Contact Us button and complete the form. Type "home loan" into the comments section. We will follow up with you by the next business day.

Contact Us

Ready to learn more? Scroll down for more information.


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.


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), 785-726-3157 (Ellis), or 970-867-2443 (Fort Morgan) and ask to meet with a loan officer regarding a home loan.

See More


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!

Learn More


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


Customer Service Center

785.625.7345