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Loan Types

Purchase + Refi

Are you a first time buyer? Could you benefit from a refinance? We know finding a mortgage that fits your lifestyle is important. That's why we offer 400+ loan products. So whether you are wanting to expand your horizons or consolidate debt, we've got a loan for that.

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01.

CONVENTIONAL LOANS

These loans are not insured by the federal government and they're popular for borrowers with stable income. Can be used for almost all types of homes from single-family to condos. â€‹Rates are often lower due to the additional credit and income requirements.

Best for the financially stable

02.

FHA LOANS

Needing a lower down payment option? Is your credit score less than perfect? FHA loans are a great, and predictable option for low-to-moderate income homebuyers. With more flexible requirements, this loan option allows a lower down payment.

Best for first-time homebuyers

03.

JUMBO LOANS

This type of loan is for borrowers who want to buy or refinance a home that exceeds standard conventional loan limits ($726,200 in most markets). Some requirements include cash reserves and a debt-to-income ratio up to 50%.

Best for higher priced homes

Veteran and Kid in Home

VA Loans

Your Home.
Our Mission.

We love serving those who serve. That's why we offer many great home buying benefits for qualifying active and retired military personnel and their families. 

Little to no closing costs

No down payment**

Higher loan value

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04.

USDA LOANS

For eligible properties located in rural (and many suburban) areas. USDA loans require no down payment and often have lower interest rates.

Best for expanding your horizons

05.

FIXED RATE LOANS

If you don't like change, this loan is right for you. Your principal and interest will never change over the life of your loan (unless you decide to refinance). 

Best for payment predictability

06.

ADJUSTABLE RATE LOANS

Borrowers start with a lower rate that rises over time. Great for those who plan to move within a few years or expect more income in the future.

Best if moving within 5 years

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Do you want to lower your monthly payment or pay off your loan faster? Do you need to cash out the equity in your home to pay off some debt or add necessary updates? Whatever your reason is, there are many benefits to a refinance. Download our guide or use the calculator to see if it might be time to refinance.

Ready to refinance?

benefits

Refinance Anchor

construction loans

Turn blueprints into reality.

Getting a loan to build a home is a little different than buying an existing one. That's why we offer a streamline two-step construction loan process. First, you'll start with a temporary loan. Once construction is complete, we’ll refinance your loan into a traditional mortgage. Watch the video or download our guide to learn more.

You build. We finance. It's that simple.

Download our construction guide below.

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PRIMELENDING A PLAINSCAPITAL COMPANY®, PRIMELENDING ®, HOME LOANS MADE SIMPLE®, DISCOVER YOUR BEST ®, NEIGHBORHOODEDGE®, LOANTELLIGENCESM and LOANPLICITY® are trademarks, service marks, or registered trademarks or service marks of Hilltop Holdings Inc., licensed to PrimeLending, a Plains Capital Company, for its use. You may not use, display or reproduce them without the prior written consent of Hilltop Holdings Inc. and PrimeLending. Further, you may not remove, obscure, or otherwise modify any copyright, trademark, confidentiality or other proprietary rights notices displayed on, embedded in, or otherwise appearing in any Content offered by, viewed on, or received through this site. All other trademarks identified and contained herein are the property of their respective owners and their use herein does not imply sponsorship or endorsement of their products or services. This website is not intended to offer loan services for properties in New York.

 

Total Expert and PrimeLending are not affiliated. *All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply. **Down payment waiver is based on VA eligibility. 1.) As listed by MARKETRAC Jan 2019 - December 2021. 2.) As Ranked by PrimeLending for 2023 3.) As ranked by Fortune, according to greatplacestowork.com. 4.) As listed on scotsmanguide.com for 2021

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THE FLEMING GROUP  |  BRANCH NMLS: 657538

201 NE 91st Street, Suite B, Kansas City, MO 64155

816-883-3030  |  scott.fleming@fleminggroupkc.com

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