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McGowan Mortgages. Your Kansas City Mortgage Broker

Trusted Mortgage Experts in Kansas City, MO
Opening at 8:30 AM
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2023 Mortgage Rate Predictions in Kansas City

Many real estate analysts were surveyed in order to get a better idea about mortgage rates and where they might wind up in 2023. Here’s a summary of their mortgage rate and trends predictions. We see mortgage rates hitting 9.31% for 30-year mortgag...

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A quick Guide to Seasonal Home Buying in Kansas City

Each season of the year brings different home buying factors that must be considered such as housing prices, supply and demand, and the weather. Not matter what season you choose to purchase a home, here is what to consider and what to expect...

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11 Benefits of a VA Loan in Kansas City

A VA loan is a mortgage option that provides a path to home ownership for active military members and their families as well as veterans. Consequently, it isn’t available to everyone and provides these individuals the following 10 benefits:

• Credit and ...

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A brief Look at Mortgage Insurance Premium in Kansas City

If you’ve been thinking about purchasing a home, you’re probably already aware of the different home loan options that may be available to you, one of which is an FHA or Federal Housing Administration home loan. If you decide on this loa...

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Conventional Loan vs. VA Loan Appraisals in Kansas City

Real estate appraisals are used to establish a home’s fair market value. It is typically performed by real estate appraisers who are certified, licensed professionals. The appraiser usually works independently of real estate agents and br...

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Overview of the 2023 BAH Rate Increase in Kansas City

As of 12/14/22, the updated 2023 BAH, Basic Allowance for Housing rates US Military members were increased by 12.1%. BAH rates are based on a member’s dependency status, geographic duty location, and pay grade along with the cost of housing ...

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Can You avoid paying Closing Costs when Refinancing Your Home in Kansas City?

Are you still looking for a mortgage lender near me?When you’re considering refinancing your mortgage, one of the fees in the process are closing costs. When refinancing your current mortgage, you should expect to pay...

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Is an Appraisal required when Refinancing Your Home in Kansas City?

If you’re a homeowner, you may think about refinancing your home to save money on your monthly payments and by paying less interest. Another way you can save time and money is by foregoing an appraisal. You can look for best mo...

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5 Mistakes to avoid when Refinancing Your Mortgage in Kansas City

Refinancing your home can be financially beneficial for a number of reasons such as:

• eliminating PMI (Private Mortgage Insurance)
• financing a remodel or renovation
• lowering their interest rate
• lowering their monthly payme...

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5 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
6 months ago
Derek is amazing! I've worked with him on a refinance at his previous company, I recommended him to multiple friends who also chose to work with him, and then I reached out to him again for my recent home purchase with his new company. He and his team did an outstanding job dealing with my unique situation, found a way to make it work, and then kept in constant contact with the agents (both buyer's and seller's) to ensure that things stayed on schedule and moved smoothly. They're awesome, and I highly recommend them to anybody in the market for a purchase or refinance!
5 months ago
Excellent service! My favorite thing about McGowan Mortgage is they will call the sellers agent to let them know about the pre-approval to help you win the bid on the house. They go above and beyond to get you into your new home AND they keep in touch with your realtor. Excellent communication and they truly do work for you. You can't go wrong with McGowan!
- Kristi B

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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