Searching for a flexible and affordable mortgage in Kansas City? Click or call (816) 631-9687 to talk to McGowan Mortgages, providing homeowners with award-winning advice and simple mortgage solutions.
If you are looking to purchase a home in Kansas City or elsewhere in Missouri, you first need to find a mortgage product that fits your financial scenario.
You will find that process fast and easy when you work with McGowan Mortgages. With our wide selection of lending products, every customer can discover the right fit.
Find the Right Home Purchase Loan for Your Needs
McGowan Mortgages can connect you with any of the following types of home loans:
Conventional
A conventional conforming loan can be used to borrow up to the Fannie Mae and Freddie Mac conforming loan limits for the purchase of a home. Take advantage of low down payments, fixed and adjustable interest rates, and loan terms to suit any requirement.
Learn MoreFHA
You can purchase a home without perfect credit if you apply for an FHA loan guaranteed by the Federal Housing Administration. With affordable rates and low down payments, these mortgages make it easy to move into your dream home fast.
Learn MoreVA
You can buy a home in Missouri with no down payment using a VA mortgage if you are a veteran, active duty service member or eligible surviving spouse. Applying for this type of loan also opens the door to affordable rates and other benefits such as no PMI requirement.
Learn MoreFHA 203K
Another lending product the Federal Housing Administration insures is this type of loan for purchasing a fixer-upper. Roll together the home purchase cost with the costs for renovations.
Learn MoreUSDA
When shopping for a home in rural parts of Missouri, consider applying for a USDA mortgage insured by the US Department of Agriculture. Characterized by affordable rates and no down payment, USDA mortgages are available to borrowers based on their income levels.
Learn MoreBank Statement Loan
You do not need a W-2 to verify your income. You can apply for a bank statement loan for a simpler and faster loan process that does not require paperwork you cannot provide.
Learn MoreFirst Time Home Buyer
As a first time homebuyer, you might want to apply for any of the types of mortgages we listed. You can find the product that is suitable for you quickly with the help of our friendly loan experts.
Learn MoreWhat to Consider When Choosing a Mortgage
When you decide what type of home loan to apply for, you will be accounting for a variety of factors relevant to your qualifications and goals. These include:
- Your credit score.
- Your debt-to-income (DTI) ratio.
- Your employment status.
- Your employment history.
- Where the home is located.
- What type of home you are buying.
- Your down payment amount.
Buy a Home in Missouri Now
At McGowan Mortgages, we know that you may not be sure what type of mortgage you need when you call us. That is why during your consultation, you can share your situation in detail with our team and receive personalized suggestions for products that may help you maximize the value of your home investment and keep your finances flexible.
Please call us today at (816) 631-9687 to schedule your consultation. We can help you purchase a home in Kansas City or nearly anywhere else in the country.
See What Our Clients Are Saying About Us!
Phoebe Jade Apostol
17:20 04 Dec 23
Jessica Lee
15:50 30 Nov 23
I appreciate the opportunity to share my experience working with the exceptional loan team - Derek McGowan of McGowan Mortgages. Their commitment to clients is evident in their caring approach, efficient processes, and remarkable speed in helping families attain homeownership. It is truly an honor to work alongside someone so dedicated to turning dreams into reality. Derek McGowan and his team are exceptional!
Jennifer Mann
19:53 29 Nov 23
Derek does a great job communicating with his clients, and also the vendors involved in the closing process. He is professional and great to work with!
Robillard Castor
18:00 29 Nov 23
1st home purchase and what an experience! The entire process from Pre-Approval to Funding was Quick, Smooth and Transparent. Joe was awesome! He was very informative answered all my questions and stayed in close contact with me throughout the entire process. Derek was great as well, he kept everyone (Agent, Title Co, Underwriters) on a strict timeline which allowed us to close early! I would recommend McGowan to everyone!
Jeff Greenstein
15:07 29 Nov 23
We just closed a loan for Derek and his team, they were great to work with from a title company perspective.
brad cross
10:39 29 Nov 23
McGowan Mortgages is amazing! The best of the best!
Alisha Brooks
02:26 29 Nov 23
Derek amd his team are fantastic to work with. They are thorough, communicative, and very easy to collaborate with.I have enjoyed the deals I have gotten to work along side them on to get the clients to the finish line of making home ownership a reality.Believe me when I say their main focus is helping their clients to see the reality of their dreams of homeownership come true and it shows in their hardwork behind the scenes.Alisha BrooksAlliance Title
Christine Montiel
20:02 26 Nov 23
We could not have gotten through this process without the entire team's support. So thankful for everyone!
Left 2 Right Detailing
06:03 16 Nov 23
Friendly. Easy to work with.
Jas Benibo
19:47 15 Nov 23
I absolutely love working with Derek at McCowan Mortgages. They have great communication, and even better programs and rates. As a real estate agent, I love sending my clients to McGowan Mortgages because I know they will be greatly taken care of.
Tynisha Watson
04:59 15 Nov 23
McGowan Mortgages stands out for its transparency, knowledge, and excellent communication. This team guides my buyers through various loan programs with expertise, ensuring a smooth process. Their commitment to clear communication, coupled with multiple loan options, makes them an outstanding choice for any buyer. I Highly recommend!Tynisha Watson, Platinum Realty@myrealtortwatson
Yesenia Silva
19:42 14 Nov 23
We are so Glad we found Derek during our house hunting journey. After talking to a few lenders McGowan definitely out beats them all! Being first time home owners the team went above and beyond with explaining the whole process and would answer our calls to answer all our questions which made the process so much easier. We definitely recommend to everyone!
Tim Jones
15:28 13 Nov 23
McGowan has been a great mortgage company to work with. Very attentive to details, great lending partner to work with and have supported our organization with open arms!
Luis Diaz
17:49 11 Nov 23
Joseph Ajja
22:51 10 Nov 23
When I first of McGowan Mortgages I did not know them or feel comfortable with them helping me get into my first home. However, after speaking with Derek and his team and how they answered all my questions I decided to give them a shot. And I will say I was not disappointed not only did they get me a great interest rate but got me into home quick! I would recommended them to anyone looking to purchase or refinance their home! It was an amazing experience working with this company
Alberto Rodriguez
11:54 10 Nov 23
Top partner! Main lender! Wonderful experience so far!
Stacie Green
04:57 10 Nov 23
Derek and his team at McGowan Mortgages go above and beyond to help their clients. He consistently shares information to help buyers and realtors navigate through any market and make homeownership possible. Looking for a lender that will work hard for you; look no further.
Tracy White-Baldrige
03:40 10 Nov 23
You worked very hard for our buyer. You made sure you got her the best rate, and the communication throughout the transaction was exceptional. I'm grateful you were able to get us to the closing table. Thanks for making a difficult deal, easy.Tracy White-BaldridgeReeceNicholsRealtor
Jasmine Rebecca
22:39 09 Nov 23
Derek is a true professional knowledgeable, hard worker and he is here when you need him.Thank you again for everything and for hanging in there with me. I highly highly highly recommend him for your mortgage needs
Jordan Shack
23:04 31 Oct 23
Always great to work with Derek and get his loans closed. He is great to work with and It is all about the teamwork.
Tim Hatton
16:53 24 Oct 23
As a wholesale Partner of Derek and his team, they go above and beyond for the borrower and is nothing short of great to work with.
Roshaun Moore
02:24 24 Oct 23
Ethel Viado
23:15 20 Oct 23
Excellent company with excellent services! I would recommend this company to all my friends! Worth the trust
Sandra rodriguez
22:06 20 Oct 23
Derek and his team are always accessible, communicative, and overall wonderful to work with. I definitely recommend them to anybody looking for a mortgage broker. They care and have access to so many lenders, I'm sure they will find a way to make your file work.
Dina Barreras
21:21 20 Oct 23
Derek and his team are on top of their game! If you are looking for someone to represent you and get you into your dream home, Derek and his team are the ones to go to! They will take great care of you!
Barbara Ferullo
20:54 20 Oct 23
Working with Derek and his team was smooth and easy! They know what they're doing when processing & submitting ~ making it a clean road to the closing table for their customers! Very professional!
Doug Swenson
20:49 20 Oct 23
Derek is great to work with. He is always available to answer any and all questions, picks up my calls and ensures I understand every process of the loan. I always recommend friends and family. Thank you Derek!
Carol Ravert
11:48 06 Oct 23
Kabi Solomon
22:55 04 Oct 23
Derek’s team was phenomenal. From start to finish, very informative, communicative & led with professional advice & experience. We started the process on Aug 29th 2023 & closed on Sept 29th exactly 30 days. The supporting groups (titling/closing) we’re also amazing! Thanks Derek, Steven, Fidel & Team
Lane Barry
22:43 04 Oct 23
Derek and the team at McGowan Mortgages are very pleasant to work with. Always responding to questions and concerns immediately, Derek was able to find us the lowest possible interest rate during these tough economic times and save us a ton of money. They walked us through every step of the home buying process and made it easy to understand while looking out for our best interest. Definitely would recommend
Certificate of Excellence
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McGowan Mortgages is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.