Creative financing for buyers, realtors, and investors. We help clients qualify smarter with strategies many lenders cannot offer. All loans subject to credit approval.
Real people, real communication — we answer calls, respond to texts, and close loans.
NMLS #1334987
Jarred Jackle
Operations Coordinator / Loan Officer
Investor & DSCRSelf-EmployedFirst-Time Buyers
A husband and dad who treats every client like a neighbor — and the one who finds a financing path when others say no.
NMLS #1605875
Johnathen Weir
Sales Coordinator / Loan Officer
Realtor PartnersProactive UpdatesStart-to-Close
A proud girl-dad who keeps every client in the loop — relationship-focused, start-to-close, no one left wondering.
Have a Scenario? Let’s Talk.
Before assuming a borrower doesn’t qualify, send us the scenario first. Most “no’s” we see have a smarter path forward. All loans subject to credit and underwriting approval.
From first-time buyers to seasoned investors — financing for every Kansas scenario, including options many lenders can’t offer.
Buying a Home
Conventional
3–5% down, no PMI options for qualified borrowers.
Subject to credit approval. PMI required if down payment under 20%.
FHA Loans
3.5% down, flexible credit, stackable with down payment assistance.
Backed by FHA. Subject to FHA guidelines and underwriting.
VA Loans
0% down for eligible veterans and active military. No monthly PMI.
Subject to VA eligibility verification and underwriting.
USDA Loans
0% down for eligible rural and suburban Kansas properties.
Subject to USDA area and income eligibility requirements.
Down Payment Assistance
Stacked DPA programs to reduce out-of-pocket costs on eligible purchases.
Subject to availability, income limits, and program guidelines. Not all buyers qualify.
Self-Employed & Specialty
Bank Statement Loans
12–24 months of deposits for income qualification. For self-employed borrowers.
Non-QM product. Rates may be higher than conventional loans.
Construction Loans (OTC)
One closing, one locked rate — land, build, and permanent financing.
Subject to builder approval, appraisal, and underwriting. Rate lock terms apply.
For Investors
DSCR Investor Loans
Qualify on rental income. No tax returns. Close in an LLC.
Investment properties only. Subject to minimum DSCR and underwriting.
LLC HELOC
Pull equity from LLC investment properties without refinancing your first mortgage.
Subject to equity, credit, and lender guidelines.
Bridge Loans
Buy before you sell. Non-contingent offers in competitive markets.
Subject to qualification. Short-term product with specific repayment terms.
Fix & Flip
Short-term financing for acquisition and renovation of investment properties.
Investment only. Subject to ARV and experience requirements.
Portfolio Loans
Bundle multiple rentals into one loan for easier portfolio management.
Subject to portfolio size, credit, and lender guidelines.
Not Sure Which Fits?
Let Mortgage Match find your best options.
Answer a few quick questions and compare the programs that actually fit your situation — in about 60 seconds, with no credit pull.
For Wichita Real Estate Agents
Realtor Success Center
Helping Wichita Realtors close more homes through dependable communication, creative financing, fast pre-approvals, and professional marketing support. This page is built to help your business grow — not simply process loans.
Everything below answers one question: how does this help you sell more homes?
Same-Day Pre-Approvals
Send us a client in the morning, hand your listing agent a strong pre-approval letter by afternoon. Faster letters mean your buyers can write competitive offers before someone else does.
Weekend Availability
Deals don’t pause on Saturday and neither do we. When your buyer falls in love at a Sunday open house, we’re reachable to get them pre-approved on the spot.
Listing Agent Calls
We proactively call the listing agent to vouch for your buyer’s financing. That extra call can be the difference between your offer getting accepted or passed over.
Creative Financing
DSCR, bank-statement, and construction options mean fewer of your clients hear “no.” More approved buyers means more closings for you.
Real-Time Updates
You hear from us at every milestone — no chasing, no radio silence. You always know exactly where the loan stands so you can manage your client with confidence.
Marketing Support
Co-branded flyers, social graphics, and rate sheets that make you look polished. We help you win listings and market them — on our dime, RESPA-compliant.
Problem Solving
Credit hiccups, gaps in income, tricky properties — we find the path instead of walking away. Deals that would die elsewhere often close with us.
Hard Scenarios Welcome
Self-employed, investor, first-time, credit-challenged — send us the tough ones. Every buyer you don’t have to turn away is a commission you keep.
Fast Communication
Text, call, or email — you get a real human, fast. No 1-800 numbers, no waiting days for an answer that should take minutes.
Reliable Closings
We set realistic expectations up front and hit our dates. On-time closings protect your reputation with clients and other agents.
The Realtor Advantage
You don’t get a lender. You gain an edge.
Instead of what we do — here’s what you get.
Faster offers
Pre-approval letters in hours, so your buyers write before the competition.
Stronger buyers
Fully vetted financing means the offers you present actually hold up.
Better communication
Milestone updates keep you informed and your clients calm.
Fewer surprises
We flag issues early, so closings don’t fall apart at the finish line.
Creative solutions
More loan paths mean fewer buyers you have to turn away.
Happy clients
Smooth financing makes you look great — and gets you referred.
More repeat business
Clients who close easily come back, and they bring their friends.
A real teammate
A mortgage partner invested in your business, not just one transaction.
How It Works
Our pre-approval process
Six steps, each designed to make your buyer stronger and your deal smoother.
1
Buyer Consultation
We learn the buyer’s goals and budget so you’re shopping in the right price range from day one.
2
Application
A fast, guided application means we can move the moment your buyer is ready to write.
3
Documentation
We collect and verify docs early, so financing is real — not a maybe — before offers go out.
4
Pre-Approval
You get a strong, credible letter to attach to offers that listing agents take seriously.
5
Offer Strategy
We help structure financing terms that make your offer more competitive without over-committing your buyer.
6
Closing
We hit the date, keep you updated, and show up so your client’s first impression of you is “flawless.”
Resource Library
Tools that make you the expert
Client-ready guides and checklists you can share under your name — buyer & offer checklists, FHA/VA/Conventional/DSCR guides, first-time buyer guides, down payment assistance, and closing & inspection timelines.
Professional, co-branded materials produced by our team — open house & listing flyers, Facebook & Instagram graphics, video reels, property & financing flyers, rate sheets, QR codes, and full social packs.
All co-marketing complies with RESPA. Shared marketing costs are split at fair market value and reflect each party’s pro-rata share. Co-marketing is never conditioned on the referral of business.
Tell us what you need. A licensed loan officer will follow up to set up your partnership and get your materials started.
✓
Request received!
We’ll reach out shortly to set up your partnership. For anything urgent, call 316-680-5056.
Preferred Partners
Realtors we’re proud to work with
A few of the trusted local agents we love working with — and happily recommend to our clients.
Casey Alexander
Associate Realtor
My name is Casey Alexander, and people have always been my passion. From leadership roles to motherhood, connecting with others has been at the heart of everything I do. My family and friends are my world, and their support drives me in all my endeavors.
In my downtime, you’ll often find me enjoying the beach or hitting the hiking trails. Despite my fear of flying, my wanderlust pushes me to explore new places and cultures. My family is my greatest joy—my husband Keith, our two children Lennox and Ari, and our two dogs, Smith, a chihuahua/terrier rescue, and Storm, our dramatic husky.
My journey into real estate stems from my genuine love for helping people. I am especially passionate about assisting those who may have never thought they could purchase a home due to a lack of knowledge, resources, or knowing where to start. Whether it’s finding a dream home or securing a great investment, I thrive on making these important milestones in people’s lives as smooth and rewarding as possible. My commitment to my clients, combined with my relentless work ethic, make me the best agent to guide you through the real estate process.
I believe that buying or selling a home is more than just a transaction; it’s a personal experience. I bring empathy, dedication, and a personalized approach to every client relationship, ensuring that your unique needs and goals are met with care and professionalism. Let’s turn your real estate dreams into reality together!
Amber is a dedicated real estate agent in the Wichita, KS area who will make sure your real estate journey is smooth and successful. Whether you are buying or selling, she will guide you through the process and help you find the perfect property. Contact Amber today for all your real estate needs!
My passion is to help you buy and sell your home. As the owner of multiple businesses, I understand that it is vitally important that the client has a positive experience from the very beginning and well beyond closing day.
From client-appreciation events and open houses to lunch-and-learns and co-marketing ideas — if you have something in the works, we’d love to be part of it. Reach out and we’ll set up a time to talk.
Often the same day. Send us a buyer in the morning with their documents and we can typically have a strong pre-approval letter in your hands by that afternoon.
Do you work weekends?
Yes. Deals happen on Saturdays and Sundays, and we’re reachable when your buyer is ready to move at a weekend open house.
Do you call listing agents?
Absolutely. On competitive offers we proactively call the listing agent to vouch for your buyer’s financing — it can tip an offer in your favor.
Can you help difficult borrowers?
That’s where we shine. Self-employed, credit-challenged, investor, and complex-income buyers often have a path with our creative financing options.
Do you attend closings?
When we can, yes. We want your client’s experience to feel seamless from offer to keys — and to reflect well on you.
Can we co-brand marketing?
Yes — flyers, social graphics, rate sheets, and more. All co-marketing is RESPA-compliant with costs shared at fair market value.
Can you help with open houses?
We can provide financing flyers, pre-qualify walk-in buyers, and even co-host. A financing expert on-site helps turn browsers into offers.
Let’s Grow Together
Not transactions. Partnerships.
We’re building long-term relationships with Realtors who want dependable communication, creative financing, and a mortgage team that helps their business grow.
Answers to common mortgage questions from Wichita homebuyers, investors, and self-employed borrowers.
Getting Started
What credit score do I need to buy a home in Wichita?
FHA loans allow scores as low as 580 (3.5% down). Conventional loans typically require 620+. VA loans have no VA-set minimum. Contact us regardless of your score — we’ll find the right program.
How long does pre-approval take?
We typically respond same day. Pre-approval letters are usually issued within 24 hours of receiving documentation. Pre-approval is not a commitment to lend.
How much money do I need to buy a home in Wichita?
FHA requires 3.5% down, conventional as low as 3%, VA and USDA 0% for eligible buyers. Budget for closing costs (2-3%). Down payment assistance may be available.
DSCR & Investor Loans
What is a DSCR loan?
DSCR loans qualify based on a rental property’s income rather than your personal income. DSCR = Monthly Rent ÷ Monthly PITIA. Subject to minimum ratio requirements and underwriting.
Can I close a DSCR loan in my LLC?
Yes. DSCR loans are specifically designed for investment properties and can be closed in an LLC — a significant advantage for asset protection.
How many investment properties can I finance?
DSCR and portfolio loans have no conventional 10-property cap. Your ability to scale is based on each property’s DSCR, credit profile, and lender guidelines.
Self-Employed Borrowers
Can I get a mortgage if I’m self-employed?
Yes. We offer bank statement loans, 1099 loans, P&L loans, and asset depletion programs. Subject to credit and underwriting. Non-QM products may carry higher rates.
How many months of bank statements do I need?
Most programs use 12 or 24 months. Business or personal statements accepted depending on the program.
Timeline & Process
How long does it take to close a mortgage in Wichita?
Typically 30-45 days from accepted offer to closing. DSCR loans often close in 3-4 weeks. Timelines vary by loan type and circumstances.
What is a one-time-close construction loan?
An OTC construction loan combines construction and permanent mortgage into one closing with one locked rate. Subject to builder approval and underwriting.
Estimate only. Actual payment varies based on credit, loan type, and other factors. Not a loan offer. Rates subject to change. All loans subject to approval.
DSCR Calculator
DSCR Ratio
1.22
DSCR calculations are for illustrative purposes only. Minimum DSCR requirements vary by lender. Not a loan approval. All DSCR loans subject to full underwriting review.
About Us
Get to know the people behind your mortgage — a little about who we are outside the office. We’d rather build a relationship than just close a loan.
I’m a husband, proud father, and outdoor enthusiast who believes the best relationships are built on trust, honesty, and doing the right thing. My beautiful wife and our one-year-old son keep life exciting and remind me every day what truly matters. Whether we’re spending time together, camping, hiking, fishing, or just enjoying a quiet weekend outdoors, I value making memories with the people I love. I enjoy meeting new people, building lasting relationships, and giving back to the community whenever I can. My goal is simple: to treat every person with respect, earn their trust, and build relationships that last long after our first conversation.
Johnathen Weir
Sales Coordinator / Loan Officer · NMLS #1605875
I’m a proud dad to three amazing daughters who are truly my world. They keep life fun, busy, and remind me every day what matters most. When I’m not spending time with my girls, you’ll usually find me at the gym, out on the disc golf course, or enjoying the outdoors with friends and family. I believe in working hard, staying active, and always making time for the people I care about. I enjoy building genuine relationships and treating everyone with honesty, kindness, and respect. My goal is to leave every person I meet feeling valued, and I believe the best relationships—both personally and professionally—are built on trust, integrity, and simply doing the right thing.
Mortgage Broker in Andover, KS
Serving Andover homebuyers, investors, and realtors with FHA, VA, DSCR, and creative financing. NMLS #1334987 | NEXA Lending NMLS #1660690.
Serving Andover, Kansas
Andover Home Loans & Mortgage Solutions
Whether you are buying your first home in Andover or scaling an investment portfolio in Butler County, NEXA Lending has a path forward. We serve Andover borrowers with the same creative financing strategies available in Wichita — just 15 miles east of Wichita away.
Same-Day Pre-Approvals
Get a strong pre-approval letter for your Andover home purchase within hours. Subject to documentation review.
Every Loan Type
FHA, VA, Conventional, DSCR, bank statement, construction, and down payment assistance. All subject to qualification.
Local Knowledge
We know Andover and the surrounding Butler County market. Real people who answer the phone.
Investor Friendly
DSCR loans, LLC HELOCs, and portfolio financing for Andover rental property investors. No tax returns on DSCR loans.
Loan Programs Available in Andover
All loans subject to credit approval, underwriting, and program availability.
FHA Loans
3.5% down, flexible credit. Great for first-time Andover buyers.
VA Loans
0% down for eligible veterans. No monthly PMI. Subject to VA eligibility.
Conventional
3-5% down, competitive rates for qualified Andover buyers.
DSCR Investor Loans
Qualify on rental income. No tax returns. Close in LLC. Investment only.
Down Payment Assistance
Stacked DPA programs to lower out-of-pocket costs. Subject to eligibility.
Self-Employed
Bank statement, 1099, and P&L programs. Non-QM rates may apply.
Get Pre-Approved in Andover
No credit pull. A loan officer responds same day. Not a commitment to lend.
We will be in touch today!
Jarred Jackle (NMLS #1334987) will contact you within hours.
Serving Derby homebuyers, investors, and realtors with FHA, VA, DSCR, and creative financing. NMLS #1334987 | NEXA Lending NMLS #1660690.
Serving Derby, Kansas
Derby Home Loans & Mortgage Solutions
Whether you are buying your first home in Derby or scaling an investment portfolio in Sedgwick County, NEXA Lending has a path forward. We serve Derby borrowers with the same creative financing strategies available in Wichita — just 10 miles south of Wichita away.
Same-Day Pre-Approvals
Get a strong pre-approval letter for your Derby home purchase within hours. Subject to documentation review.
Every Loan Type
FHA, VA, Conventional, DSCR, bank statement, construction, and down payment assistance. All subject to qualification.
Local Knowledge
We know Derby and the surrounding Sedgwick County market. Real people who answer the phone.
Investor Friendly
DSCR loans, LLC HELOCs, and portfolio financing for Derby rental property investors. No tax returns on DSCR loans.
Loan Programs Available in Derby
All loans subject to credit approval, underwriting, and program availability.
FHA Loans
3.5% down, flexible credit. Great for first-time Derby buyers.
VA Loans
0% down for eligible veterans. No monthly PMI. Subject to VA eligibility.
Conventional
3-5% down, competitive rates for qualified Derby buyers.
DSCR Investor Loans
Qualify on rental income. No tax returns. Close in LLC. Investment only.
Down Payment Assistance
Stacked DPA programs to lower out-of-pocket costs. Subject to eligibility.
Self-Employed
Bank statement, 1099, and P&L programs. Non-QM rates may apply.
Get Pre-Approved in Derby
No credit pull. A loan officer responds same day. Not a commitment to lend.
We will be in touch today!
Jarred Jackle (NMLS #1334987) will contact you within hours.
Serving Maize homebuyers, investors, and realtors with FHA, VA, DSCR, and creative financing. NMLS #1334987 | NEXA Lending NMLS #1660690.
Serving Maize, Kansas
Maize Home Loans & Mortgage Solutions
Whether you are buying your first home in Maize or scaling an investment portfolio in Sedgwick County, NEXA Lending has a path forward. We serve Maize borrowers with the same creative financing strategies available in Wichita — just 12 miles northwest of Wichita away.
Same-Day Pre-Approvals
Get a strong pre-approval letter for your Maize home purchase within hours. Subject to documentation review.
Every Loan Type
FHA, VA, Conventional, DSCR, bank statement, construction, and down payment assistance. All subject to qualification.
Local Knowledge
We know Maize and the surrounding Sedgwick County market. Real people who answer the phone.
Investor Friendly
DSCR loans, LLC HELOCs, and portfolio financing for Maize rental property investors. No tax returns on DSCR loans.
Loan Programs Available in Maize
All loans subject to credit approval, underwriting, and program availability.
FHA Loans
3.5% down, flexible credit. Great for first-time Maize buyers.
VA Loans
0% down for eligible veterans. No monthly PMI. Subject to VA eligibility.
Conventional
3-5% down, competitive rates for qualified Maize buyers.
DSCR Investor Loans
Qualify on rental income. No tax returns. Close in LLC. Investment only.
Down Payment Assistance
Stacked DPA programs to lower out-of-pocket costs. Subject to eligibility.
Self-Employed
Bank statement, 1099, and P&L programs. Non-QM rates may apply.
Get Pre-Approved in Maize
No credit pull. A loan officer responds same day. Not a commitment to lend.
We will be in touch today!
Jarred Jackle (NMLS #1334987) will contact you within hours.
Serving Newton homebuyers, investors, and realtors with FHA, VA, DSCR, and creative financing. NMLS #1334987 | NEXA Lending NMLS #1660690.
Serving Newton, Kansas
Newton Home Loans & Mortgage Solutions
Whether you are buying your first home in Newton or scaling an investment portfolio in Harvey County, NEXA Lending has a path forward. We serve Newton borrowers with the same creative financing strategies available in Wichita — just 25 miles north of Wichita away.
Same-Day Pre-Approvals
Get a strong pre-approval letter for your Newton home purchase within hours. Subject to documentation review.
Every Loan Type
FHA, VA, Conventional, DSCR, bank statement, construction, and down payment assistance. All subject to qualification.
Local Knowledge
We know Newton and the surrounding Harvey County market. Real people who answer the phone.
Investor Friendly
DSCR loans, LLC HELOCs, and portfolio financing for Newton rental property investors. No tax returns on DSCR loans.
Loan Programs Available in Newton
All loans subject to credit approval, underwriting, and program availability.
FHA Loans
3.5% down, flexible credit. Great for first-time Newton buyers.
VA Loans
0% down for eligible veterans. No monthly PMI. Subject to VA eligibility.
Conventional
3-5% down, competitive rates for qualified Newton buyers.
DSCR Investor Loans
Qualify on rental income. No tax returns. Close in LLC. Investment only.
Down Payment Assistance
Stacked DPA programs to lower out-of-pocket costs. Subject to eligibility.
Self-Employed
Bank statement, 1099, and P&L programs. Non-QM rates may apply.
Get Pre-Approved in Newton
No credit pull. A loan officer responds same day. Not a commitment to lend.
We will be in touch today!
Jarred Jackle (NMLS #1334987) will contact you within hours.
Serving El Dorado homebuyers, investors, and realtors with FHA, VA, DSCR, and creative financing. NMLS #1334987 | NEXA Lending NMLS #1660690.
Serving El Dorado, Kansas
El Dorado Home Loans & Mortgage Solutions
Whether you are buying your first home in El Dorado or scaling an investment portfolio in Butler County, NEXA Lending has a path forward. We serve El Dorado borrowers with the same creative financing strategies available in Wichita — just 30 miles east of Wichita away.
Same-Day Pre-Approvals
Get a strong pre-approval letter for your El Dorado home purchase within hours. Subject to documentation review.
Every Loan Type
FHA, VA, Conventional, DSCR, bank statement, construction, and down payment assistance. All subject to qualification.
Local Knowledge
We know El Dorado and the surrounding Butler County market. Real people who answer the phone.
Investor Friendly
DSCR loans, LLC HELOCs, and portfolio financing for El Dorado rental property investors. No tax returns on DSCR loans.
Loan Programs Available in El Dorado
All loans subject to credit approval, underwriting, and program availability.
FHA Loans
3.5% down, flexible credit. Great for first-time El Dorado buyers.
VA Loans
0% down for eligible veterans. No monthly PMI. Subject to VA eligibility.
Conventional
3-5% down, competitive rates for qualified El Dorado buyers.
DSCR Investor Loans
Qualify on rental income. No tax returns. Close in LLC. Investment only.
Down Payment Assistance
Stacked DPA programs to lower out-of-pocket costs. Subject to eligibility.
Self-Employed
Bank statement, 1099, and P&L programs. Non-QM rates may apply.
Get Pre-Approved in El Dorado
No credit pull. A loan officer responds same day. Not a commitment to lend.
We will be in touch today!
Jarred Jackle (NMLS #1334987) will contact you within hours.
By Jarred Jackle, NMLS #1334987 · NEXA Lending · Educational purposes only. Not financial advice. All loans subject to credit approval and underwriting.
The Problem with Traditional Investor Financing
Most conventional loans require you to qualify using your personal income — W-2s, tax returns, and debt-to-income ratios. For real estate investors, this creates a hard ceiling. The more properties you own, the higher your debt obligations, and the harder it becomes to qualify for the next deal even if that deal is cash-flowing perfectly.
This is the problem DSCR loans were designed to solve.
What Does DSCR Stand For?
DSCR stands for Debt Service Coverage Ratio. It measures whether a property generates enough rental income to cover its own mortgage payment. The formula is simple:
A DSCR of 1.0 means the rent exactly covers the payment. Most lenders want 1.0 or higher. A DSCR of 1.25 means the property generates 25% more income than the payment — a strong profile that opens up better rates and terms.
Key Benefits of DSCR Loans
No personal income documentation required — no W-2s, no tax returns, no pay stubs
Close in an LLC — protect your assets and keep your portfolio organized
No conventional loan limits — scale beyond the 10-property conventional cap
Qualify on the deal, not your personal finances — each property stands on its own
Short-term rentals eligible — Airbnb and VRBO income may be considered depending on the lender
What Are the Requirements?
Requirements vary by lender but generally include: minimum credit score (typically 640-680+), minimum DSCR ratio (usually 1.0 or higher), down payment of 20-25%, property must be investment use only. Subject to full underwriting review.
Is a DSCR Loan Right for You?
DSCR loans are ideal for investors who have strong rental properties but complex personal income, self-employed borrowers who take large deductions, and anyone scaling beyond 4-10 properties. If your rental income covers the payment, there is likely a path forward. Send us your scenario and we will review it — no obligation.
Ready to explore DSCR financing?
All DSCR loans subject to credit approval, minimum DSCR requirements, and underwriting. Investment properties only.
First-Time Buyers
Down Payment Options in Kansas
By Jarred Jackle, NMLS #1334987 · Educational purposes only. All programs subject to eligibility, income limits, and underwriting approval. Not a commitment to lend.
You May Not Need as Much as You Think
One of the biggest myths in homebuying is that you need 20% down. The reality is that most Wichita buyers put down far less — and many qualified buyers purchase with little to nothing out of pocket when the right programs are stacked together.
FHA Loans — 3.5% Down
FHA loans are backed by the Federal Housing Administration and allow down payments as low as 3.5% for borrowers with credit scores of 580 or higher. They have flexible underwriting guidelines and are one of the most common paths for first-time buyers in Wichita. FHA loans require mortgage insurance premiums (MIP) for the life of the loan unless refinanced. Subject to FHA guidelines and underwriting.
Conventional — As Low as 3% Down
Conventional loans backed by Fannie Mae or Freddie Mac allow down payments as low as 3% for qualified buyers. PMI is required when putting down less than 20% but can be removed once you reach 20% equity — unlike FHA MIP. Generally requires stronger credit (620+). Subject to credit approval.
VA Loans — 0% Down
For eligible veterans, active duty military, and surviving spouses, VA loans offer 0% down with no monthly PMI. This is one of the strongest benefits available in the mortgage market. McConnell AFB and the broader Wichita military community make VA loans one of our most common programs. Subject to VA eligibility verification and underwriting.
USDA Loans — 0% Down
USDA loans offer 0% down for properties in eligible rural and suburban areas. Parts of the Wichita metro — including some areas near Andover, Derby, and Maize — may qualify. Subject to USDA income limits and property eligibility requirements.
Down Payment Assistance (DPA)
DPA programs provide grants or forgivable second loans to cover your down payment and sometimes closing costs. They can be stacked on top of FHA or conventional loans to dramatically reduce out-of-pocket costs. Availability, income limits, and terms vary by program. Not all buyers will qualify. Ask us what is currently available in Kansas.
Find out which down payment option fits you.
No credit pull required to get started. Not a commitment to lend.
Self-Employed
Mortgages for Self-Employed Borrowers
By Jarred Jackle, NMLS #1334987 · Educational purposes only. Non-QM products may carry higher rates. All loans subject to credit approval and underwriting.
Why Traditional Loans Are Hard for Self-Employed Borrowers
If you run a business, you likely take every legal deduction available to minimize your tax liability. Smart tax strategy — but it works against you when qualifying for a conventional mortgage, which uses your adjusted gross income from your tax returns. A business generating $200,000 in revenue might show $80,000 in taxable income after deductions, which is what the bank uses to qualify you.
Non-QM loan programs solve this by using alternative income documentation.
Bank Statement Loans
Instead of tax returns, bank statement loans use 12 or 24 months of business or personal bank deposits to calculate income. The lender applies an expense factor (typically 50% for business accounts) to determine qualifying income. This often results in a much higher qualifying income than what appears on a tax return. Non-QM product — rates may be higher than conventional loans.
1099 Loans
For contractors and freelancers, 1099 loans use your 1099 income statements rather than full tax returns. Typically uses 12-24 months of 1099 forms. Rates and terms vary. Subject to lender guidelines.
P&L Loans
A CPA-prepared profit and loss statement can be used to qualify in some programs. Typically a 12 or 24-month P&L showing business income and expenses. Subject to lender requirements and CPA certification.
Self-employed and ready to buy?
Send us your scenario — we review self-employed files daily. No obligation.
Construction
One-Time-Close Construction Loans
By Jarred Jackle, NMLS #1334987 · Educational purposes only. Subject to builder approval, appraisal, and underwriting. Not a commitment to lend.
What is a One-Time-Close Construction Loan?
A one-time-close (OTC) construction loan combines land acquisition, construction financing, and your permanent mortgage into a single loan with a single closing. You lock your interest rate at closing — before the first nail is driven — and that rate carries through to your permanent mortgage once the home is complete.
How it Works
One closing — you close once before construction begins. No second closing when the home is done.
One locked rate — your permanent mortgage rate is set at the initial closing.
Draw schedule — funds are disbursed to the builder in phases as construction milestones are completed.
Interest only during construction — you typically only pay interest on drawn funds during the build phase.
Converts automatically — when construction is complete, the loan converts to your permanent mortgage.
Requirements
Builder must be approved and licensed. Property must appraise at or above the projected value. Minimum credit and down payment requirements apply depending on whether you use FHA, VA, USDA, or conventional. Subject to full underwriting review. Construction timelines vary.
Building in Wichita or the surrounding area?
We work with builders across the Wichita metro. Subject to builder approval.
By Jarred Jackle, NMLS #1334987 · Educational purposes only. Subject to VA eligibility verification and underwriting. Not affiliated with the VA or any government agency.
The Most Powerful Home Loan Benefit in the Military
The VA home loan benefit is one of the most valuable financial tools available to veterans and active duty military — and one of the most underused. Wichita has a significant military community through McConnell Air Force Base, and we work with VA borrowers regularly.
Key VA Loan Benefits
0% down payment — no down payment required for eligible borrowers
No monthly PMI — saving hundreds per month compared to conventional with less than 20% down
Competitive interest rates — VA loans typically carry lower rates than conventional
No prepayment penalties — pay off early without penalty
Reusable benefit — can be used multiple times throughout your life
Who is Eligible?
Generally eligible: veterans with honorable discharge, active duty service members meeting minimum service requirements, National Guard and Reserve members with qualifying service, and certain surviving spouses. Eligibility is verified through a Certificate of Eligibility (COE) from the VA. Subject to VA guidelines.
VA Funding Fee
VA loans require a funding fee that can be rolled into the loan. The fee varies based on your down payment amount, loan type, and whether it is your first use of the benefit. Some veterans with service-connected disabilities are exempt. Subject to VA determination.
Serving those who served.
We are honored to work with Wichita veterans and McConnell AFB families. Not affiliated with the VA.
Calculators
How to Calculate Your Mortgage Payment
By Jarred Jackle, NMLS #1334987 · Educational purposes only. Calculator results are estimates only and do not constitute a loan offer or commitment to lend.
What Makes Up Your Monthly Payment?
Most people think of their mortgage payment as just principal and interest — but your actual monthly payment (often called PITI) includes four components:
Principal — the portion paying down your loan balance
Interest — the cost of borrowing, based on your rate and remaining balance
Taxes — property taxes collected monthly and held in escrow
Insurance — homeowners insurance collected monthly and held in escrow
PMI — private mortgage insurance if your down payment is less than 20% (conventional)
The Math Behind P&I
The principal and interest portion is calculated using an amortization formula that keeps your monthly payment constant while shifting the ratio of P vs I over time. Early in the loan you pay mostly interest. Later you pay mostly principal.
Example: $300,000 loan at 6.5% for 30 years = approximately $1,896/month P&I. Add $350/month taxes and $120/month insurance = $2,366 total. For illustrative purposes only. Actual payments will vary.
Use Our Calculator
Our payment calculator lets you adjust home price, down payment, rate, term, taxes, and insurance to see an estimated monthly payment. Results are for illustrative purposes only.
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