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Types of Loans

Landmark National Bank has a wide range of mortgage options.  We will work with you to ensure you get the home loan that best fits your needs.

 Conventional or Conforming Loans

  • ►Maximum loan amount of $417,000
  • ►Borrow up to 95% of the purchase price
  • ►Loans require private mortgage insurance (PMI) unless the down payment is 20% or more.  The premium can be paid monthly or in a one-time payment at closing.

 FHA Loans

  • ►Maximum loan amount is based on geographic area.  The Kansas City area is $281,300. In Kansas and Missouri, outside the Kansas City area, it is $271,050.
  • ►Borrow up to 96.5% of the purchase price, or 97.75% of the appraised value on a refinance.
  • ►These loans require mortgage insurance, with both an up-front premium, and a monthly premium. The up-front premium is currently 1.75% of the loan amount and is usually added to the loan balance. The monthly premium is based on the term of the loan and the loan-to-value.

 VA Loans

  • ►Must be a Veteran or the spouse of a Veteran.
  • ►Maximum loan amount is based on geographic areas.
  • ►Borrow up to 100% of the purchase price or refinance.
  • ►An up-front guarantee fee may apply based on the veteran’s military status. This amount can be rolled into the loan, and there is no monthly premium.

 USDA Loans

  • ►Must be in a USDA (U.S. Department of Agriculture) approved geographic area.
  • ►Must meet the maximum household income guidelines.
  • ►Borrow 100% of the appraised value of the home
  • ►A 2.00% USDA guarantee fee will apply.  The amount will be rolled into the loan, in addition to a small monthly premium.

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Landmark National Bank, NMLS # 607803
701 Poyntz Ave, Manhattan, KS  66502
Toll Free:  (800) 322-6344
homeloans@banklandmark.com
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