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No
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Call for rates and no cost pre-approval |
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We
have been providing our superior services to our
customers since 1993. |
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(816)
361-9988 Or (800) 930-4243 |
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Thank you for
visiting our site. AGF Mortgage has been serving homeowners
in Kansas and Missouri by providing low rates and low
closing costs for purchase or refinance since 1993.
Following is a list of some of our loan
programs.
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No Cost Pre-Approval |
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These days, getting a pre-approval
is the norm. Some home owners and
real estate agents are hesitant to
show you homes if you have not been
pre-approved. If you are in the
market to purchase an owner-occupied
residence, a second home, or a
rental property, you need to apply
for a pre-approval.
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Stated
Income Loan for
Purchase or Refinance |
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The following is
a list of some of our rental property
loan programs. If you don't see the loan program
that you have in mind, please contact a loan
officer either by phone or by completing the
request
form. A loan officer
will call you at your convenience. |
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Stated income with asset
verification up to 70% (SIVA) |
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Stated asset and stated
income up to 60% (SIVA) |
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for
commercial loan
click here |
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for details |
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Reason for Refinancing
the Current Loan |
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Refinance
with cash out |
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Refinance with no
Cash-Out |
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You may refinance your
existing loan with cash out option and use the proceeds
for: |
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This type
of financing is ideal for those borrowers who do not
need cash-out, but prefer one or combination of the
following options. |
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Debt consolidation of high interest rate and |
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To lower interest rate and eliminate mortgage
insurance |
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monthly payment credit cards |
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To convert from owner-financed to regular mortgage |
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Remodeling or repairing |
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To convert from contract for deed to regular mortgage |
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Paying off student or car loans |
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To convert from rent-to-own to regular mortgage |
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Down payment of a vacation home |
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To convert from rent-to-own to regular mortgage |
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Down payment of a rental home |
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To remove borrower's or co-borrower's name in divorce
cases |
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Any other plan that you may have |
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To combine existing first and second mortgages |
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To buy out one's partner if the property is a rental
home |
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Call
for details |
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Interest Rate Explanations
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Interest Rate
Explanations |
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The
rates showing at the top
of this page are
conforming rates for
Kansas and Missouri
homeowners and are
based on a loan size
of $250,000. These
rates
are approximates due
to the fact that
rates change by the
hour. Since rates
for stated income
loans, loans on
rental properties,
second mortgages,
and home equity
lines of credit vary
based on the loan
size, document type
(full doc, stated
income or no income
verification),
property type (the
number of units),
and credit score, it
is very difficult to
post more accurate
rates for each of
our loan programs.
To get a more
accurate interest
rate for the loan
program that you
have in mind, please
complete the
contact request
form with
your approximate
loan size, document
type, property type,
and your credit
score (if known). A
loan officer will be
happy to provide you
with a more accurate
interest rate
quote. You can also
call us any time
from 8 A.M. to 8
P.M. seven days a
week.
Interest rates and percentage of the loan will be based
on the borrower's credit score. Credit score
could be as low as 500 for non-conforming loans with
income verification and high down payment. For stated
income or no income verification loans with lower loan
to value, credit score could be as low as 580. Interest
rates and the percentage of loan to value change for
560, 580, 600, 620, 640, 660, 680, 700, 720, 740, 760,
780 and 800 credit scores. The minimum credit score for
100% loan is 620. Please call for further
information.
Back
to List
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Why AGF Mortgage should be your
choice?
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Why AGF Mortgage should be your
choice?
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AGF Mortgage, Inc. was
founded in 1993 with a commitment to
Kansas and Missouri residents to
provide the best possible real
estate loans for owner occupied, non
owner occupied (rental home), and
second homes with low rates and low
closing costs. |
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When it comes to our
rates, whether you are an employee
or self employed, you will find the
most suitable loan program among
hundreds that we offer through over
fifty investors. Our
experience makes the loan processing
smoother and faster.
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We challenge the major
lenders in this area such as Chase,
Bank of America and others with our
low costs and excellent service. |
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Loan on Investment Property |
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Loan on Investment Property |
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Are you searching for a loan to
purchase or refinance multi family
units from 1 to 4 units (1 unit,
duplex, triplex or 4-plex) of rental
property with low rates and low
closing costs? Would you like
an expert loan officer to answer any
question you may have? If so, you
are in the right place. We have been
providing loan on investment
properties for our clients for the
past 15 years with down payments as
little as 10% .
For rental properties
over 4 units
visit AGF Commercial
Loan
site.
The states that we offer our
commercial loan are: AL, AK, CA, CO,
CT, DE, GA, ID, IN, IL, IA, KS, KY,
LA, ME, MD, MA, MI, MO, MT, NH,
NE, NC, NM, OH, OK, OR, PA, SC, TN, TX,
UT, VT, VA, WA, WV, WY
Back
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Can Seller Pay Buyer's
Closing Costs |
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Can Seller Pay
Buyer's Closing
Costs |
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Yes, the amount of seller's
contribution toward closing
costs and prepaid items
depends on the loan program
and the percentage of the
down payment. If the down
payment is between 0 and 5%,
then some programs limit the
seller's contribution to 3%,
but if the down payment is 10%
or more, the seller 's
contribution could be up to
6%. However, it can not
exceed the actual closing
costs and prepaid items.
Property Tax |
2 to 3 months |
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Hazard Insurance |
14 months |
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Pre-paid Interest |
1 to 25 days |
when we pre-approve the
loan, we will give our
borrowers the estimated
pre-paid items along with
the closing costs within
$100 of the actual costs.
For more details, please
call 800-930-4243
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AGF Mortgage,
Inc. is licensed in KS and
MO. Missouri Residential
Mortgage License Registrant
NO. 06-063 and
Kansas Residential Mortgage
License Registrant NO.
96-0135 |
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