🎉 Mortgage Brokers Kansas | Kevin Roller

Choosing the right mortgage plan in Kansas can be a complex process, but Kevin Roller at LeaderOne Financial is here to simplify it. With his expertise, Kevin will help you evaluate the options and find the best mortgage solution that aligns with your financial goals and homeownership dreams.

• Evaluate Your Financial Situation: Kevin will start by assessing your financial health, which includes reviewing your credit score, income, and debt-to-income ratio. Understanding your current financial standing is essential to determine which mortgage products you are eligible for and which ones offer the most favorable terms.
• Understand Your Homeownership Goals: Whether you’re buying your first home, refinancing, or investing in property, Kevin will tailor his recommendations to suit your specific needs. If long-term stability is important to you, a fixed-rate mortgage may be the best fit, while an adjustable-rate mortgage (ARM) could be beneficial if you’re looking for lower initial payments.
• Compare Loan Products: LeaderOne Financial offers a variety of loan products, including conventional loans, FHA loans, VA loans, and jumbo loans. Kevin will help you compare the different mortgage products available, explaining how interest rates, loan terms, and down payment requirements affect your monthly payments and the overall cost of the loan.
• Select the Right Loan Term: A crucial factor in choosing the right mortgage is selecting the appropriate loan term. Kevin will help you weigh the benefits of shorter terms (like 15 years) that have higher payments but less interest over time, or longer terms (like 30 years) that offer lower monthly payments but more interest over the life of the loan.
• Consider Additional Costs: In addition to your mortgage payments, there are other expenses to consider such as property taxes, homeowners insurance, and private mortgage insurance (PMI) if applicable. Kevin will ensure that you are fully aware of all the associated costs and help you create a plan to afford your dream home.

For personalized guidance on selecting the best mortgage plan in Kansas, contact Kevin Roller at 913-432-1725 and take the first step toward securing your ideal mortgage today.

Improving your credit score before applying for a mortgage is one of the best ways to secure favorable terms. Kevin Roller at LeaderOne Financial offers practical advice, supported by tools from Middle Credit Score®, to help you increase your credit score and improve your chances of getting the best mortgage rate.

1. Review Your Credit Report
   The first step is to obtain and review your credit reports from the three major credit bureaus—Equifax, Experian, and TransUnion. Kevin will help you identify any errors or inaccuracies that may be negatively affecting your score. Middle Credit Score® offers tools that guide you through disputing these inaccuracies, which can result in a quick boost to your score.
2. Dispute Credit Report Errors
   If errors are found on your credit report, Middle Credit Score® provides resources to help you correct these issues with the credit bureaus. Fixing mistakes on your report can significantly improve your credit score, making you a more attractive borrower to lenders.
3. Lower Your Credit Utilization Ratio
   One of the quickest ways to improve your credit score is by lowering your credit utilization ratio, which is the percentage of available credit you are using. Aim to keep this below 30%. Kevin will help you create a plan to pay down high-interest debt, and Middle Credit Score® offers tools to manage and reduce your overall debt burden.
4. Avoid Opening New Credit Accounts
   Before applying for a mortgage, avoid opening new lines of credit. New inquiries on your credit report can lower your score temporarily, so it’s best to maintain a stable credit profile. Kevin will advise you on how to avoid unnecessary credit checks and maintain a strong credit standing.
5. Make Timely Payments
   Your payment history is a major factor in determining your credit score. Late payments can significantly lower your score. Middle Credit Score® can help you stay on top of your bills by offering reminders or setting up automatic payments. A solid payment history will strengthen your credit profile and help you qualify for better mortgage terms.
6. Address Negative Credit Report Items
   If your credit report contains negative items such as late payments, collections, or charge-offs, it’s essential to address them before applying for a mortgage. Kevin will assist you in resolving outstanding debts, and Middle Credit Score® provides guidance on negotiating with creditors to remove negative marks from your credit report.

By following these steps and utilizing Middle Credit Score®, you can boost your credit score and improve your chances of securing better mortgage terms. For personalized credit improvement strategies, contact Kevin Roller at 913-432-1725.

Yes, whether you’re refinancing your current mortgage or purchasing a new home, Kevin Roller at LeaderOne Financial can help you through the entire process. With his expertise, Kevin ensures that you secure the best mortgage solution tailored to your financial needs.

Home Purchase with Kevin Roller at LeaderOne Financial

• Pre-Qualification and Pre-Approval: The first step in buying a home is getting pre-qualified or pre-approved for a mortgage. Pre-qualification gives you a general estimate of how much you can afford, while pre-approval provides a more detailed review of your financial situation, positioning you as a serious buyer. Kevin will guide you through both processes to ensure you’re well-prepared when house hunting.
• Choosing the Right Loan Program: LeaderOne Financial offers various loan programs, including conventional loans, FHA loans, VA loans, and jumbo loans. Kevin will help you choose the program that fits your financial situation and homeownership goals.
• Securing Competitive Interest Rates: Kevin is committed to securing the most competitive interest rates for his clients. By monitoring market trends, he will help you lock in a favorable rate that keeps your mortgage payments affordable.
• Step-by-Step Guidance: From your initial application to closing, Kevin will provide personalized, step-by-step guidance to ensure a smooth homebuying experience.

Refinancing with Kevin Roller at LeaderOne Financial

• Lower Your Interest Rate: Refinancing your mortgage allows you to take advantage of lower interest rates, potentially reducing your monthly payments and saving money over the life of the loan. Kevin will evaluate your current mortgage and help you determine if refinancing is right for you.
• Cash-Out Refinancing: If you’ve built up equity in your home, cash-out refinancing allows you to tap into that equity for major expenses such as home renovations, education, or debt consolidation. Kevin will walk you through the benefits and risks of cash-out refinancing and help you decide if it’s the right choice for your financial goals.
• Shorten Your Loan Term: Refinancing to a shorter loan term (e.g., moving from a 30-year to a 15-year mortgage) can help you pay off your home faster and save on interest. Kevin will help you weigh the pros and cons of shortening your loan term based on your financial situation.

For expert advice on refinancing or purchasing a home, contact Kevin Roller at 913-432-1725 to discuss your mortgage options.

When applying for a mortgage with Kevin Roller at LeaderOne Financial, having the necessary documents ready will ensure a smooth process. Below is a list of the essential documents you’ll need to get started:

General Documents Required for Mortgage Applications

• Proof of Income:
  • W-2 Forms: You’ll need to provide W-2 forms from the last two years to verify your income and employment history.
  • Pay Stubs: Submit your most recent pay stubs, typically covering the last 30 days, to confirm your current income.
  • Tax Returns: If you’re self-employed or have additional sources of income, you will need to provide federal tax returns for the last two years.
• Proof of Identity:
  • Government-Issued ID: A valid photo ID, such as a driver’s license or passport, is required.
  • Social Security Number: Your Social Security number will be used to pull your credit report and verify your identity.
• Credit History:
  • Credit Report: Kevin will review your credit report to assess your mortgage eligibility.
  • Debt Information: You’ll need to provide documentation of any outstanding debts, such as credit cards, student loans, or auto loans, to calculate your debt-to-income ratio.
• Proof of Assets:
  • Bank Statements: Provide your most recent bank statements (typically the last two months) to verify the funds available for your down payment and closing costs.
  • Retirement or Investment Account Statements: If you plan to use funds from a 401(k) or other investment accounts, you’ll need to provide statements showing available balances.
• Proof of Employment:
  • Verification of Employment: Kevin may contact your employer to verify your current employment status. If you’re self-employed, additional documentation such as business licenses or profit and loss statements may be required.

Loan Program-Specific Documents

• Conventional Loans: Conventional loans may require more extensive documentation of your income and assets.
• FHA Loans: FHA loans may require additional documentation to verify eligibility for the program, especially if your credit score is lower.
• VA Loans: Veterans applying for a VA loan will need a Certificate of Eligibility (COE) and possibly military discharge papers.
• USDA Loans: USDA loans may require proof that the property is located in a rural, USDA-eligible area.

By gathering these documents in advance, you’ll ensure a smooth mortgage application process with Kevin Roller at LeaderOne Financial. For more information or to begin your application, contact Kevin at 913-432-1725.