There’s no place like home
At Farmers Bank of Kansas City, we combine cutting-edge technology with real human expertise to create a smoother path to homeownership.
Lock in the right rate at the right time
Discover competitive rates, updated daily.
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Schedule a callRates as of February 17, 2026
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What our clients have to say about us
Found the best mortgage fit
“Will provided a user-friendly dashboard that let me explore different options and find the best fit for my financial situation. He was incredibly patient, guiding me through the process and answering all my questions.”
Narendra
Genuine guidance & support
“Due to circumstances on our part, our refinance spanned a year and a half and Kelli stuck with us. Very responsive and helpful throughout the extended process, her patience made all the difference.”
Gina
First-time homebuyer success
“Mike’s team gave us a great rate and he was incredibly attentive during the whole process! The closing period was during the holidays and true to his word they were able to get us to closing within our timeframe.”
Nick
Efficient expert services
“Kelli ticked the main boxes I looked for being halfway across the country: competitive rate and credits, solution-oriented and knowledgeable, and best of all, fast and responsive.”
Sebastian
Competitive refinancing rates
“Michael and his team helped me get an amazing rate for my investment property refi. They’re communicative, responsive and know what they’re doing. I highly recommend using them for your refinance.”
Amanda L.
Seamless online application
“Everything with the process is extremely easy. The portal is simple to upload docs. Additionally, Farmers Bank does not charge LLPAs on second homes which reduces the cost dramatically.”
Tim
Nationwide mortgage expertise
“Incredibly prompt in responses, quickly gathered documents, and proactively followed up to ensure everything was in order for underwriter approval. Working across the country was no issue at all.”
Soha
Our competitive rates catch your eye, but our service earns your trust
Local expertise, national reach
Leverage deep knowledge of local housing markets and national-level resources to find the best loan for you.
Streamlined online process
From online application to e-closing options, our digital mortgage platform makes the process quick and convenient.
Dedicated mortgage advisor
We prioritize your unique financial situation and goals, finding you a loan that feels like home.
Frequently asked questions
With reliable and easy to understand answers.
How much of a down payment do I need to buy a home?
Down payment requirements vary by loan type. Conventional loans typically require at least 3% down, FHA loans 3.5%, while VA and USDA loans may offer 0% down payment options for qualified borrowers.
However, a larger down payment can help you secure a better interest rate, avoid private mortgage insurance, and lower your monthly payment. Our mortgage advisors can help you explore down payment assistance programs if you’re concerned about saving enough.
What's the difference between being pre-qualified and pre-approved?
Pre-qualification is an informal estimate of how much you might be able to borrow based on self-reported information. Pre-approval is a more formal process where we verify your credit, income, and assets to determine exactly how much you can borrow. A pre-approval letter shows sellers you’re a serious buyer who can secure financing, giving you a competitive edge in the housing market.
How long does the mortgage process take?
While every situation is unique, most home purchases close within 30-45 days from application to closing. Factors that can affect this timeline include property appraisal scheduling, title search completion, and how quickly you provide requested documentation. At Farmers Bank, our streamlined digital process helps ensure efficient closings, with some loans closing in as little as 21 days.
What costs should I expect besides the down payment?
In addition to your down payment, you should budget for:
Some of these costs may be negotiated with the seller, and Farmers Bank offers programs that can help with closing costs for qualified borrowers.
Couldn’t find your answer?
Talk to a loan specialistWe turn loan obstacles into opportunities
Complicated credit? Tight timeline? Unique situation? We specialize in making the impossible possible.