Nurse Mortgages in Kansas


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Arvest Bank

(AR, KS, MO, OK)

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Online

usually responds within 30 minutes

Arvest Bank

(AR, KS, MO, OK)

$100M Closed Loans

Arvest Bank, founded in 1961, is a diversified financial services company headquartered in Bentonville, Arkansas, offering a full range of banking, mortgage, investment, and insurance products.

High-income professionals can utilize Arvest Bank's comprehensive financial services, including wealth management, private banking, and investment guidance. The bank offers tailored solutions, like asset management and estate planning, to effectively grow and safeguard their wealth. [ Read Review → ]

  • Minimum credit score: 640
  • Maximum loan: $1,750,000
Down payment Financing
0%up to $1.25 million
5%up to $1.75 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • CRNA
  • DVM
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

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Online

usually responds within 30 minutes

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

$100M Closed Loans

First Citizens, founded in 1898, is a full-service commercial bank with over 500 branches, offering a wide range of retail and corporate financial services.

High-income professionals can benefit from First Citizens' services, including wealth management, private banking, and insurance. Their offerings also comprise personalized financial planning, customized credit solutions, and estate planning. They provide tailored strategies to optimize financial growth and security. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $1.5 million
20%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • CRNA
  • NP
  • PA
  • DC
  • DVM
  • PharmD
  • JD
  • CPA
  • PhD
  • RN

First Federal Bank Of Kansas City

(KS, MO)

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Online

usually responds within 30 minutes

First Federal Bank Of Kansas City

(KS, MO)

$100M Closed Loans

First Federal Bank of Kansas City, established in 1934, is a community-focused institution providing comprehensive banking services including loans, deposits, and mortgage options.

High-income professionals can leverage First Federal Bank of Kansas City's suite of services, including specialized loan programs, wealth management advice, and personalized banking. The bank offers comprehensive financial solutions, such as mortgages, savings accounts, checking accounts, and online banking to facilitate seamless financial management. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $1,500,000
Down payment Financing
%up to $1.5 million
0%up to $1 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • PharmD
  • NP
  • PA
  • DVM
  • CRNA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First National Bank of Omaha

(CO, IA, IL, KS, MO, NE, SD, WY)

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Online

usually responds within 30 minutes

First National Bank of Omaha

(CO, IA, IL, KS, MO, NE, SD, WY)

$100M Closed Loans

First National Bank of Omaha, founded in 1857, is the largest privately-owned bank in the U.S., offering a full range of banking and financial services across multiple states.

High-income professionals can take advantage of the First National Bank of Omaha's services, which include wealth management, comprehensive financial planning, private banking, and trust services. FNBO also offers personalized strategies for investment, estate planning, and managing retirement assets. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $850,000
5%up to $1.25 million
10%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • CPA
  • DPM
  • DVM
  • OD
  • DC
  • PhD
  • RN

Flagstar

(All 50 States Except NY)

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Online

usually responds within 30 minutes

Flagstar

(All 50 States Except NY)

$100M Closed Loans

Flagstar, founded in 1987, is a leading national bank headquartered in Michigan, offering a broad range of banking, mortgage, and lending operations.

High-income professionals can utilize Flagstar's wealth management services for their financial planning needs. These services include personalized investment strategies, retirement planning, estate planning, and trust services. Additionally, Flagstar offers private banking solutions such as tailored loans and exclusive credit options. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • CPA
  • RN
  • DC
  • PhD

GreenState Credit Union

(All 50 States Except CA)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

GreenState Credit Union

(All 50 States Except CA)

$100M Closed Loans

GreenState Credit Union, founded in 1938, is a member-owned financial cooperative providing diverse banking services to more than 350,000 members across the United States.

High-income professionals can take advantage of a variety of services from GreenState Credit Union. These include exclusive checking and savings accounts with competitive interest rates, extensive loan options, wealth management and investment services, retirement planning, and insurance services, all designed to optimize their financial growth and security. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • PharmD
  • NP
  • PA
  • CRNA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Simmons Bank

(AR, IL, KS, MO, OK, TN, TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Simmons Bank

(AR, IL, KS, MO, OK, TN, TX)

$100M Closed Loans

Simmons Bank, founded in 1903 in Arkansas, is a full-service financial institution offering a range of banking products and services in multiple states across the US.

High-income professionals can benefit from Simmons Bank's range of services, including wealth management, private banking, investment services, and financial planning. The bank offers personalized solutions tailored to meet their unique financial needs and goals. [ Read Review → ]

  • Minimum credit score: 640
  • Maximum loan: $417,000
Down payment Financing
0%up to $417,000
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • OD
  • CRNA
  • DPM
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Key Terms

  • Kansas nurse mortgages are specially designed to accommodate the unique circumstances of nurses, offering more flexible eligibility criteria and potential benefits such as down payment assistance and forgiveness programs.
  • These programs often provide competitive advantages like potentially lower interest rates and the possibility of waiving private mortgage insurance, which can lead to significant cost savings.
  • However, nurse mortgages may come with higher interest rates than traditional mortgages depending on the lender, and their availability may be limited to specific financial institutions that understand the nursing profession.

Often referred to as the Sunflower State, Kansas boasts a diverse landscape, with wide-open prairies, rolling hills, and picturesque countryside, providing ample opportunities for outdoor recreation such as hiking, fishing, and camping. The state also has a rich agricultural heritage and is known for its friendly communities, strong sense of community, and Midwestern hospitality, making it a welcoming place to call home. With several vibrant cities, including Wichita and Kansas City, Kansas offers cultural attractions, entertainment options, and job opportunities in various industries.

One such industry is, of course, healthcare. As a matter of fact, Kansas is home to some  34,400 nurses, according to the Bureau of Labor Statistics, including some 360 CRNAs and 2,920 NPs. 

Buying a home in Kansas, however, is getting more difficult. Yes, prices are going up there as they are across the country. According to the FED, the median listing price of a single family home is right around $319,700, making a new home out of reach for many nurses.

Nurse mortgages can make a big difference for nurses looking to buy a home. Specifically tailored for nurses, these loans aim to simplify the home buying process for nurses in the Sunflower state.  

How is a Kansas nurse nortgage different from other loans?

In Kansas, a nurse mortgage differs from a traditional mortgage in several ways. Firstly, nurse mortgages are tailored specifically for nurses, offering more flexible eligibility criteria compared to traditional loans. This means nurses with irregular work schedules or multiple jobs may find it easier to qualify. Additionally, nurse mortgages often come with specialized benefits, such as assistance with down payments or forgiveness programs for those working in underserved areas. Lenders offering nurse mortgages also have a better understanding of the nursing profession, taking into account factors like overtime pay and income from multiple jobs during the application process. Some nurse mortgage programs may even waive the requirement for private mortgage insurance, resulting in cost savings for borrowers. Overall, nurse mortgages in Kansas provide a more tailored and understanding approach to home financing for nurses.

For many healthcare professionals, it can be hard to get a traditional mortgage loan or FHA loans. Whether it’s a credit score, DTI, or major down payment issues standing int he way, nurses can still secure a solid loan amount and possibly even down payment assistance with a nurse mortgage. If you have a purchase price in mind, but are worried about coming up with down payment options for conventional mortgages, or if you think your student loans pushed your debt-to-income ratio too high, look for mortgage lenders who work with nurse mortgages.

The pros and cons of pursuing a Kansas nurse mortgage

As with all things in life, taking out a nurse mortgage comes with its own set of pros and cons:

The pros are as follows, and they’re pretty impressive:

Tailored for Nurses: Nurse mortgages are designed specifically for nurses, offering more flexible eligibility criteria and specialized benefits tailored to their profession.

  • Assistance Programs: Many nurse mortgage programs offer assistance with down payments, closing costs, or forgiveness programs for nurses working in underserved areas.

Lower Interest Rates: Some nurse mortgage programs may offer lower interest rates compared to traditional mortgages, resulting in potential long-term cost savings.

  • No Private Mortgage Insurance (PMI): Certain nurse mortgage programs may waive the requirement for PMI, saving borrowers money on monthly mortgage payments.

Cons? Yes, there are a few, including:

  • Limited Availability: Nurse mortgages may be less widely available compared to traditional mortgages, as they are offered by select lenders who specialize in serving the nursing community.
  • Higher Interest Rates: While some nurse mortgage programs offer lower interest rates, others may have higher rates compared to traditional mortgages, depending on the lender and the borrower’s financial profile.
  • Additional Fees: Some nurse mortgage programs may come with additional fees or closing costs, so borrowers should carefully review the terms and conditions before applying.
  • Eligibility Requirements: While nurse mortgages often have more flexible eligibility criteria, borrowers must still meet certain requirements, and not all nurses may qualify for these specialized loans.

Overall, nurses considering a nurse mortgage should weigh the pros and cons carefully to determine if it aligns with their financial goals and needs.

If you need to talk with a loan officer doing conventional loans like a refinance, HUD, Federal Housing Administration loans, or USDA loans, you might discover that you can’t meet the requirements like credit score or debt to income ratio (DTI.) In those cases, stepping outside of the traditional home purchase loan options may enable medical professionals to secure a primary residence in Kansas. If you don’t see yourself qualifying for traditional real estate loans, va loans, or other down payment assistance programs, look for an alternative mortgage loan program or home buying program specific to healthcare professionals. Although you’ll still have things like underwriting, fixed-rate or other interest, monthly payments, and income limits,first time homebuyers or other aspiring homeowners may find out if they qualify for nurse loans upfront. A nurse home loan program makes it possible for someone to secure their primary residence after spotting their dream home on the NMLS. Registered nurses, travel nurses, and LPNs can al potential benefit from the best mortgage for nurses.

In some cases, you might even be bale to get home loans for nurses with better loan terms, low down payment options, or lower credit scores.

Examples of nurses who take out nurse mortgages in Kansas

An ER nurse working long shifts at a bustling hospital in Wichita, Kansas, Sarah has been feeling the weight of her student debt looming over her, making it challenging to imagine purchasing her own home.

Every day, Sarah witnesses the resilience of her patients and their families, inspiring her to pursue her own dreams of homeownership. She dreams of having a place to call her own, where she can unwind after a hectic shift and build a future for herself.

But her student debt is a significant obstacle standing in the way. Sarah knows this. With hefty monthly loan payments to juggle alongside her living expenses, saving up for a down payment seems like an impossible feat.

Determined not to let her student debt hold her back, Sarah starts exploring her options. She learns about nurse mortgages, specialized loan programs designed to help nurses like her achieve their homeownership goals.   

Sarah finds a lender offering nurse mortgages in Wichita. She discovers that these programs offer benefits such as assistance with down payments and flexible eligibility criteria tailored to nurses’ unique financial situations. Excited by the prospect of finally owning her own home, Sarah decides to apply for a nurse mortgage. She gathers the necessary documents, including proof of income and details of her student debt, and submits her application.

A few weeks later, Sarah receives the news she’s been waiting for – she’s been approved for a nurse mortgage. With the support of the specialized loan program, Sarah can finally start searching for her dream home in Wichita, knowing that her student debt no longer stands in the way of her owning a home.

Looking for a nurse mortgage in a different state?

If you’re looking to explore the best nurse mortgage in other states, click on your state below.

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Joshua Holt is a licensed mortgage loan originator (NMLS #2306824) and founder of Biglaw Investor. His mortgage expertise lies in the areas of professional mortgage loans, particularly for lawyers, doctors and other high-income professionals. Prior to Biglaw Investor, Josh practiced private equity mergers & acquisition law for one of the largest law firms in the country.

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