Buy a Home in Kansas City

Licensed to work with clients in 30 different states.

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.

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FHA

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.

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VA

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.

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FHA 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.

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USDA

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.

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Bank 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.

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First 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.

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What 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 income.
  • Your employment status.
  • Your employment history.
  • Where the home is located.
  • What type of home you are buying.
  • Your ability to make a down payment.
  • How liquid you need your finances to be.
  • How long you plan to be in your home.
  • Your service record.

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 anywhere else in the state of Missouri.

See What Our Clients Are Saying About Us!

Trena
Trena
18:09 31 Aug 22
Derek is amazing! I've worked with him on a refinance at his previous company, I recommended him to multiple friends who also chose to work with him, and then I reached out to him again for my recent home purchase with his new company. He and his team did an outstanding job dealing with my unique situation, found a way to make it work, and then kept in constant contact with the agents (both buyer's and seller's) to ensure that things stayed on schedule and moved smoothly. They're awesome, and I highly recommend them to anybody in the market for a purchase or refinance!
Kimaada Ellison
Kimaada Ellison
18:35 22 Aug 22
As a first time home buyer with very limited knowledge about this entire process, this company and all of its staff have really made me feel comfortable about asking questions and learning about how everything works. Elijah has fielded many questions from me and each time was able to rationally explain everything to me in layman's terms that helped me understand. I am so pleased to have come across this organization and would recommend them to any potential home buyer without hesitation. Keep up the great work guys.- KE
Sam Kolthay
Sam Kolthay
16:48 15 Aug 22
This is the second time I've worked with Derek on buying a house, and I know I'd use him for a third!Derek and his team work tirelessly to get the loan across the line as quickly as possible and at the best rate.I highly recommend trusting Derek with your loan needs!
nathan denham
nathan denham
20:17 07 Aug 22
Being involved with Real Estate for many years my clients have used many different lenders. There have been good ones and bad ones but McGowan Mortgage is different than the rest and always delivers. I highly recommend you use McGowan Mortgage for your financial lending needs.
Rachel Diebold
Rachel Diebold
00:18 29 Jul 22
Tarek Jebali
Tarek Jebali
02:08 22 Jul 22
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 recommend him for your mortgage needs
Steve Lopez
Steve Lopez
02:06 13 Jul 22
First time buying a home couldn’t have choose anyone better. Super helpful and have a wonderful team that will make sure all your questions get answers. Definitely recommend
Jared Pfeiffer
Jared Pfeiffer
13:39 18 May 22
I have worked with Derek and his team on multiple purchases. His attention to detail, the speed in which he works and his collaboration makes him at the top of his industry in my opinion.Looking forward to continuing to work with him in the future.
Annie
Annie
00:44 02 May 22
artbycins
artbycins
03:04 01 May 22
Eric L
Eric L
14:41 29 Apr 22
Derek is awesome!! His knowledge of the mortgage industry is incredible. Every question I’ve had for him he gives me an easy-to-understand yet in-depth answer. We’re working on a refi for our current home and I’ll definitely reach back out once we’re ready to purchase our next home! Thanks Derek!!
Steve Zebley
Steve Zebley
13:56 29 Apr 22
Derek McGowan is the best!
Elijah Dixon
Elijah Dixon
00:10 29 Apr 22
Derek and his team are extremely knowledgeable. The level of communication and use of technology is second to none ....
Sam Tracy
Sam Tracy
20:02 28 Apr 22
Derek helped my wife and I buy our first house and was so great at walking us through the entire process, making sure we understood everything. He was always available to answer all of our questions and was impressively quick on getting paperwork signed and submitted. Put simply, he made everything easy. So glad we worked with Derek and he will be our first call when we look at moving again!
Collin Joiner
Collin Joiner
18:23 28 Apr 22
Derek is absolutely fantastic! Not only did he make financing my new home completely seemless, but he made himself available practically 24/7. Not like your usual broker that claims they can always be reached and has your best interest at heart, but he is genuine, up front, and when you pick up the phone to call or text him... he actually answers or gets right back with you! I did my initial loan with him, when rates dropped I did my refi with him, I also got my ex to finance through him for her first home. And through each interaction he stayed consistent in his approach and true to the values he promises. If it's Derek or associated with Derek, I promise you can't beat it!! He's the best!
Gabe Buckner
Gabe Buckner
12:28 27 Apr 22
Really smooth process from start to finish! Incredibly resourceful in every aspect. Will use again.
Todd Minear
Todd Minear
12:11 27 Apr 22
Derek is professional, responsive and always friendly. He always delivers. Highley recommended!
Tammy Walker
Tammy Walker
10:28 27 Apr 22
Derek was absolutely great in helping us refinance our mortgage. He walked us through everything and was always ready to answer any questions we had. We would definitely use him again.
Diamon Collins
Diamon Collins
05:47 27 Apr 22
Very knowledgeable and friendly! We were able to take the helpful information given to choose the best option for our home buying needs! Highly recommended!
Kc Thizz-N-Vision Tv
Kc Thizz-N-Vision Tv
05:10 27 Apr 22
james ellis
james ellis
04:29 27 Apr 22
The communication and overall process was awesome. Zero issues and had me ready to close 2 weeks early. Highly recommend.
Markus Marrs
Markus Marrs
04:29 27 Apr 22
Derek and his team made sure to do the best by me and my family!
Kelli Harpe
Kelli Harpe
01:27 24 Apr 22
Derek and his crew have been ultra responsive since day 1. Phone calls are promptly returned and questions answered with confidence. Excellent customer service.
Marria Tran
Marria Tran
23:58 23 Apr 22
Derek and the McGowan Mortgage Team were top-notch from start to finish. Buying a home for the first time was incredibly overwhelming and stressful but Derek and his team educated us through the entire process. They went above and beyond to help us with questions and concerns that were outside of their control, making us feel like we were their #1 priority. Exceptional communication and promptness on our closing date. Derek was very knowledgeable with understanding the market conditions and did everything to make sure we had the best rate possible! We are lifelong customers and would highly recommend to anyone and everyone! ⭐️
Marissa jacobs
Marissa jacobs
22:40 23 Apr 22
Derek has been truly wonderful!
Nate Lickteig
Nate Lickteig
13:14 16 Mar 22
Derek and the team at McGowan Mortgage are incredible. They all were very diligent to walk us through the process from the application up through closing day. They were consistently available to answer questions with multiple avenues to call and text to get quick answers. They were meticulously thorough in showing all of the factors determining our rates and how they were getting us the best available option. The tools that were provided to help calculate our estimated payments were specific to our loan and were fantastic to pin point what the mortgage payments would look like for each of the homes which we considered. We shopped with one other lender and between the rate offers and level of communication it was an absolute no-brainer to work with Derek and the team at McGowan Mortgage.
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