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McGowan Mortgages. Your Kansas City Mortgage Broker

Trusted Mortgage Experts in Kansas City, MO
Opening at 8:30 AM tomorrow
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“Non-allowable” VA fees in Kansas City

As the name implies, VA loans are backed by the Department of Veterans Affairs. The VA loan program is committed to providing veterans with an affordable and pleasant homebuying experience. With that being said, it shouldn’t surprise you that the VA close...

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Will Refinancing My Home hurt My Credit Score in Kansas City?

The short answer is YES, but only temporarily. When you want to improve your credit score, time is always your best friend. There are certain factors that can temporarily affect your credit such as applying for new credit, credit re...

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Property Taxes and Refinancing in Kansas City

Although refinancing often involves a simpler process than your first home loan, it comes with its own unique challenges. One such challenge is the timing or your property tax payments during a refinance. When it comes to this, you need to know two...

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What is a “Rate and Term” Refinance in Kansas City?

This type of refinance enables you to change the interest or term (or both) of your home loan. It provides you with options for lowering your interest rate, bringing cash in to lower the principal on your loan balance, or pay your loan off qu...

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First-time Homebuyer Financial Fundamentals in Kansas City

If you’re preparing to purchase your first home, one of the first steps you need to take at the beginning of the homebuying process is to ensure that you’re financially ready for homeownership. Here are 3 financial fundamentals you shou...

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Homebuyers may have more Negotiating Power Today in Kansas City

Did you recently put your homebuying search on hold because of the frequency and intensity or the property bidding wars that occurred over the past 2 years? Did you know that the highly competitive housing market has cooled off this...

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Invest in Your Future by Buying a Home in Kansas City

While many couples and individuals have been considering buying a home, many of them are wondering if it’s such a good idea because of everything that’s been impacting our economy. While the desire to purchase and own a home is still a high-...

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5 Reasons Your Conventional Loan might be denied in Kansas City

Being turned down by a lender when trying to find the “best mortgage near me” can be extremely disappointing, especially if you’ve already been pre-approved. However, it still isn’t a reason to give up hope on that conventional loa...

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7 months ago
Derek and the entire McGowan Mortgages Team are amazing! This Team is filled with extremely friendly and very knowledgeable people who are there for you every step of the way! Derek has incredible videos for each milestone and every potential question you can think of for anyone looking for a mortgage. These amazing resources combined with his drive to help every client are just a few assets that make McGowan Mortgages one of a kind! I am honored to be able to work them and am continually inspired by this Team who makes you feel like family. Working with McGowan Mortgages has been a dream and I encourage everyone to reach out to them if you are in the market for a mortgage =)
- Megan T
4 months ago
Derek and his team will go to war for you! They really care about their clients and consistently prove through communication and their actions, that they always have their clients best interests. If you want excellence in customer service, A1 communication, and a stress free environment for you mortgage lending needs, McGowan mortgages is the way to go!
- Lorenzo A
4 months ago
A fantastic, brilliant team! McGowan mortgages works for you and goes above and beyond to fulfill all your mortgage needs. Prompt return on calls and questions. Absolutely grateful for all their hard work to help our family relocate.
- Amy J

Your Home Loan Expert in Kansas City

Advantages of Working With a Licensed Mortgage Originator

Choosing a mortgage is easy with McGowan Mortgages. There are many things to consider and many options to weigh, and we are with you every step of the way. 

If you want the best mortgage for your unique situation, there's no other option but to buckle down and get it done. Or, you could let a licensed mortgage loan originator do the work for you.

Working with a trusted mortgage originator gives you access to several advantages that make it much easier to choose the right loan. Below, we look at the perks of working with a licensed mortgage professional: 

You Stand to Save a Lot of Money by Working with A Mortgage Professional

Many people think they can save money by working with an inexperienced mortgage professional. You stand to save a lot of money by working with a mortgage professional. In fact, if you do not use a professional, there is a good chance that you will end up paying more than you should.

Mortgage Professionals Have Access to Special Rates and Programs Unavailable to The Public

Sometimes, these programs can result in significant savings for homeowners who work with them. One of the most important things you need to know about mortgages is that they are complicated. 

Unless you have experience working with loans, there is no way for you to understand everything involved in this process and make sure that everything goes smoothly.

You should also know that mortgages differ from other loans because they require a lot of paperwork, and paperwork errors can cost borrowers a lot of money. 

Therefore, borrowers need to hire professionals familiar with these types of loans and know what needs to be done at every step.

A Mortgage Broker Will Take on The Legwork and Paperwork for You, Giving You More Time To Focus on Other Things

When buying a home, finding the time to do all the legwork involved with getting pre-qualified or pre-approved is hard. A mortgage broker can take away some of that burden and make the process easier.

When you work with a mortgage broker, they can guide you through the entire process of getting pre-approved or pre-qualified for a loan. 

This includes gathering your financial statements and paperwork, putting together an application package, submitting it to lenders, and negotiating on your behalf. They also work with realtors to get you into homes within your price range.

A Mortgage Broker Can Help You Determine Which Type of Mortgage is Best For Your Needs

A mortgage broker works on behalf of the borrower, not the lender. They are not required to work with a specific lender to shop for the best deal. Their job is to find you the best mortgage that meets your requirements. 

A good mortgage broker will explain all the different mortgages and how they work so that you can make an informed decision about which one is right for you.

A good Kansas City mortgage lender will also be able to tell you about any discounts or incentives offered by various lenders and banks, as well as other options such as home equity lines of credit (HELOCs), second mortgages, and debt consolidation loans that may be available besides traditional mortgages.

When looking for a real estate lender, you will want to ensure that your broker is licensed as a mortgage originator. Why? The answer is simple: many laws protect you as a consumer from unscrupulous business practices, and there is an additional layer of protection when dealing with someone with a license in the field they are providing business to consumers. 

McGowan Mortgages is a licensed mortgage broker Kansas City whose reputation is built on integrity, professionalism, and the ability to keep transactions on track. To find out more about us, contact us today.

The best mortgage broker in Kansas City is McGowan Mortgages and they are proud to serve nearby locations.

Learn More About McGowan Mortgages by Visiting our Brand Profiles:

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  • (816) 631-9687


Get directions
800 East 101st Terrace Ste. 350B
Kansas City, MO 64131

Business Hours

Mon:8:30 AM – 7:30 PM
Tue:8:30 AM – 7:30 PM
Wed:8:30 AM – 7:30 PM
Thu:8:30 AM – 7:30 PM
Fri:8:30 AM – 6:00 PM
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