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McGowan Mortgages. Your Kansas City Mortgage Broker

Trusted Mortgage Experts in Kansas City, MO
Open today until 7:30 PM
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Can You get a Conventional Loan if You put down less than 20% in Kansas City?

The short answer is “YES”, depending on several factors. Although a down payment of 20% is recommended, it’s not required. Lenders look at the bigger picture when evaluating mortgage applications. Depending on your ...

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Purchasing Land with Your VA Loan Benefit in Kansas City

Along with the many options for using your VA loan benefit, one is the ability to buy land for new home construction. There are a 3 ways you can pursue financing for new home construction with a VA loan such as:

Using a VA loan to buy th...

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Purchasing Rental Properties with a VA Loan in Kansas City

Qualified military service members and veterans can use their VA loan benefit for the purchase of a home provided they meet the mortgage lender’s and VA’s requirements. As an active member or veteran, you might want to purchase a rental...

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5 Purchase Options for VA Loans in Kansas City

The primary benefit of VA loans is that they make purchasing a home more affordable for our active military members and veterans. However, it may surprise you to learn that this type of loan offers several property purchase options including the fo...

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Debunking the 4 most common Home Refinancing Myths in Kansas City

Refinancing can be an extremely useful tool for some homeowners, depending on their financial circumstances. However, there are 4 common misconceptions or myths about refinancing that we have debunked below:

Refinancing doesn’t ...

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6 Things You should know before Refinancing Your Home in Kansas City

No matter what your reasons are for refinancing, you want to ensure meeting your financial goals. Before talking to a lender, there are 6 things you should know before refinancing your home:

First and foremost, refinancing is...

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3 Ways You could benefit from Refinancing Your existing Mortgage in Kansas City

Have you been thinking about how you could benefit from refinancing your mortgage? It may be worth reviewing your mortgage if you’ve been living in your home for several years already and want to determine if refinan...

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How Buyers and Sellers can Negotiate Home Inspection Repairs in Kansas City

Did you put up your house for sale? If you’re selling your home and know that the buyer has demanded you to make certain repairs before agreeing to the sale, there’s no need to worry. First of all, negotiating with buye...

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5 Factors all First-time Homebuyers should be Mindful of in Kansas City

Buying your first home can be one of the most exciting times in your life. As a savvy first-time homebuyer, you can get the best results possible and avoid any costly mistakes by considering these 5 factors:

Avoid falling ...

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4 months ago
Derek’s team was phenomenal. From start to finish, very informative, communicative & led with professional advice & experience. We started the process on Aug 29th 2023 & closed on Sept 29th exactly 30 days. The supporting groups (titling/closing) we’re also amazing! Thanks Derek, Steven, Fidel & Team
- Kabi S
4 months ago
Derek and the team at McGowan Mortgages are very pleasant to work with. Always responding to questions and concerns immediately, Derek was able to find us the lowest possible interest rate during these tough economic times and save us a ton of money. They walked us through every step of the home buying process and made it easy to understand while looking out for our best interest. Definitely would recommend
- Lane B
2 weeks ago
This was our first time buying a home & I can honestly say McGowan Mortgages was so helpful. Debra was so sweet and always available to answer our calls for any of our questions. It was a rough 3 months, but we finally secured our home, they were so patient and wanted to give us the best rate possible and did just that! Derek, Fidel the whole team was awesome and they made our first time buying a home so much more fun and definitely worth it! Thank you for everything.

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:8:00 AM – 7:30 PM
Tue:8:00 AM – 7:30 PM
Wed:8:00 AM – 7:30 PM
Thu:8:00 AM – 7:30 PM
Fri:8:00 AM – 6:00 PM
Sat:10:00 AM – 4:00 PM
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