Loan Options in Missouri

Licensed to work with clients in 40 different states.

You are in search of a mortgage that is flexible, affordable, and a fit for your needs now and in the future.

With our extensive selection of lending products, you can find the ideal home loan.

The application process is fast and easy so that you can close quickly and move into the home of your dreams.

Types of Mortgages in MO

Below are the types of home loans we offer. If you need help choosing a suitable type of loan, we can assist you during your consultation.

Conventional

A conventional home loan is one without backing from a government agency. These may include conforming and non-conforming mortgages.

An FHA mortgage is a lending product guaranteed by the Federal Housing Administration. These home loans feature flexible qualification requirements, affordable rates, and low down payments. We also offer a special zero down FHA loan that is not available everywhere.

VA

A VA mortgage backed by the Department of Veterans Affairs allows you to purchase a home with zero down and affordable rates if you are a veteran, active duty service member or eligible surviving spouse. Flexible qualification requirements make this an ideal product for a wide range of qualifying borrowers.

HELOCs and HELOANs

If you want to tap into your home equity for flexible financing, you can apply for a home equity loan (HELOAN) or a home equity line of credit (HELOC).

Down Payment Assistance

Owning a home should be within reach for everyone, and at McGowan Mortgages, we believe in breaking down barriers to make homeownership a reality.

ITIN Loans

Are you shopping for a home in Kansas City or elsewhere in Missouri as an undocumented immigrant? You can purchase a home without a Social Security number using a special product called an ITIN loan, or “Home Opportunity Loan.”

First Time Home Buyer

Any of the types of mortgages listed above can be suitable for a borrower shopping for their first home. You can receive the guidance you need to choose the right type of loan for your first home purchase from the friendly, patient experts at McGowan Mortgages.

Investment Property Loans

Buy valuable real estate in Missouri with fast, flexible investment property financing to suit your requirements. We work hard to help you maximize the return on your investment with a competitive loan.

Bank Statement Loan

Apply for a home loan without a W-2 form if you are a self-employed borrower, business owner, or investor.

Jumbo

A jumbo loan is a conventional loan that exceeds the conforming loan limits for Fannie Mae and Freddie Mac.

2-1 Buydown Loan

Do you want to buy a home with a fixed rate mortgage, but wish you could take advantage of the low introductory rate of an adjustable rate mortgage?

DSCR Loan

The debt-service coverage ratio (DSCR) examines the cash flow of a company's in relation to its debts.

No Credit Score Loan

Our specialized No Credit Score loans offer a pathway to homeownership for individuals who haven’t established traditional credit but are eager to invest in their future.

Navigating Homeownership

At McGowan Mortgages, we understand that life’s journey can include financial challenges, and we’re committed to helping you achieve homeownership even after bankruptcy.

Cash For Keys Program

Our Cash for Keys program is perfect for homeowners who want to purchase their new home before selling their current one. This innovative loan option addresses common challenges such as debt-to-income (DTI) ratios and securing a down payment for your new home.

0% Down Conventional

Our 0% Down Conventional loan program, available through United Wholesale Mortgage (UWM), is designed to help qualified borrowers secure a home with minimal upfront costs.

Apply for a Home Loan in Kansas City or Beyond

If you are ready to apply for a mortgage, our expert team is here to facilitate a smooth and easy loan process. We work with homebuyers and homeowners in Kansas City and throughout the country. To get started now, please call us today at (816) 631-9687 to schedule your consultation.

Buy A Home Refinance

See What Our Clients Are Saying About Us!

McGowan Mortgages

4.9

Based on 145 reviews

Write a review

Jeff Turner

23:16 10 Sep 24

Derek & team were great to work with! They were very responsive, answered my off-the-wall questions at any time of day, and helped me close faster than anticipated. I would definitely recommend others to work with Derek's team when looking for a house in the future!

matt oakley

13:39 26 Aug 24

Fast, efficient, informative and always professional!

Jamie Lynam

13:10 26 Aug 24

McGowan Mortgages worked very hard to get the job done. The communication is excellent and all the staff were so very nice and efficient. I cant say enough about how grateful I am for this company.

Reginaldo Garcia

20:24 21 Aug 24

Excelente Servicio y Atención. Gracias

Katie Brashears

22:54 16 Aug 24

They are a great company to work with. As a First time home buyer with all the questions they answered all of them and were available anytime I needed.

Denise jane Apostol

01:23 15 Aug 24

The best Mortgage company

Adam Stafford

18:21 11 Aug 24

Buying my first home was terrifying enough but Derek and his team got me through it anxiety attacks and all. He made the impossible happen and I can't thank him enough.

Mel Clark

16:26 08 Aug 24

I recently had the pleasure of working with McGowan Mortgages for my home, and I couldn't be happier with the experience. From start to finish, their team was professional, knowledgeable, and incredibly responsive.They guided me through the entire process with ease, explaining every step in detail and answering all my questions patiently. They were always available to address any concerns I had, which made me feel confident and supported throughout the process.McGowan Mortgages secured a fantastic interest rate for me, saving me a significant amount of money each month. Their dedication to finding the best possible deal for their clients is truly commendable.I highly recommend McGowan Mortgages to anyone looking for a mortgage or refinance. Their exceptional service, expertise, and commitment to their clients make them stand out from the rest. I am grateful for their assistance in making my refinance a smooth and successful experience.

Homer Simpson

16:37 06 Aug 24

Stephen Colberg

15:30 01 Aug 24

As a wholesale Account Executive for The Loan Store - I've had the privilege of working with Derek McGowan and his team on several transactions - The McGowan team are absolute professionals and tops in our industry - they are always working to get their clients the best possible rates and never miss a closing date - if you want the best rates and service you can't go wrong with the McGowan Team!

Tammy Sheaffer

20:33 29 Jul 24

Derek and his Team were a Breeze to work with. Being on the listing side, it's always so nice to have a lending team that cares not just about their client but about making sure all parties are working on the same goal - get to the closing table! Great communication and responds to emails - Thank you!Tammy~Transaction Coordinator for The Crossroads Real Estate Group of Keller Williams Diamond Partners Inc (Olathe)

Giselle Cintron

23:52 21 Jul 24

Derek and his team are amazing! They made sure this process ran smoothly from beginning to end. I am truly grateful for them and honestly never thought owning a home was going to be so easy. I will recommend McGowan Mortgages to anyone looking to purchase their home. 🏠

Paul Nsubisi Mwankusye

22:50 21 Jul 24

Very organized and professional which makes the process easy and smooth. I recommend

Keith Cooper II

20:15 21 Jul 24

Taylor Miranda

19:09 15 Jul 24

Derek is the best ever!!

Christina Cooper

14:03 05 Jul 24

tamikanicole

20:08 12 Jun 24

I love, working with them. This team works with you the whole way through. They even did follow up’s after the closing. I would recommend them to anyone who is looking to buy a home.

Andrea R

22:55 10 Jun 24

I don’t even know where to start. My husband and I have been trying to years and thankfully McGowen mortgages was recommended to us, we took a chance and gave it a try and they walked us through the entire process, kept constant communication and made sure to follow up with us after our approval.Thank you so much we really can’t thank you enough however we will telling anyone with ears how amazing our experience has been.God bless.

Dianne Hubbard

14:45 27 May 24

If I was to get another house I will surely come back to y'all y'all did the great job for me best job ever y'all went above and beyond for me thank you all so much and I will refer other people like my family members which I already have keep up the good work thank you so much

Elizabeth Bade

02:12 10 May 24

Nothing but great things to say. Michael did great!!!

Camren Veach

14:17 07 May 24

Super smart, super good at communication

Dee ohrt

00:11 07 May 24

Its been a pleasure working with attentive lenders. They have reached out several times trying to show they want me comfortable in the process. Though I'm still in the works with the loan, I am quite confident in the manner McGowan is handling my loan and I am thankful that my Veterans advocate have sent me to them.

Chelsey Kessler

20:40 06 May 24

The McGowan Mortgage team provides top-tier customer service and they're ALWAYS willing to dive in and help! Their attentiveness coupled with the robust variety of loan programs they offer makes them some of the best in the business. If you give them a shot at earning your business, I'm certain you'll be glad you did!

Adam Canote

02:29 05 May 24

Highly recommend! Michael Corujo is the best in the business. Always quick to reply and super knowledgeable.

Joe Schuster

13:50 04 May 24

Jeff Nguyen

13:03 04 May 24

Kimberly Roberts

22:55 03 May 24

Michael has been wonderful to work with! Extremely knowledgeable and easy to work with!

Brad Parks

21:53 03 May 24

We have done numerous transaction with Derrick, Michael, Jess, and the rest of their team . I can't say enough good things about these guys!!! They really go the extra mile for their clients to ensure a smooth closing process. 🍻🍻 to many more successful transactions!!! 😃😃😃

Thu Phan

21:46 03 May 24

McGowen Mortgage is super easy to work with! Michael is amazing! We literally got our Heloc in less than 2 weeks! Thanks guys!

Jeremyah Grigery

20:45 03 May 24

I'm not one to leave reviews on things, but I felt compelled to leave this one. Our experience with Michael was fantastic. Honestly, I'd leave 6 stars if they let me. Michael was very communicative throughout the entire process to the point of actually anticipating questions that we would have even before we got a chance to ask. Never dealt with someone who actually felt like a true "expert" in the field. I won't use anyone else in the future.

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