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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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What are the 7 Legal Documents required for a Conventional Loan in Kansas City?

If you’re thinking about applying for a conventional home loan, you should probably start prepping the 7 legal documents that are commonly required for this and other types of mortgage loans. Lenders can get a bette...

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3 Conventional Loan Advantages in Kansas City

When it comes to mortgage loans, there is no one-size-fits-all option for every single homebuyer out there. So, it’s important to understand the advantages, especially when it comes to conventional loans. These 3 primary advantages include:

• High...

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Debunking the 3 most common Myths regarding VA Loans in Kansas City

The VA Home Loan Program was part of the GI Bill of Rights or the Servicemen’s Readjustment Act that was enacted by Congress in 1944. It leveled the playing field for those WWII veterans who wanted to purchase a home but were s...

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Are VA Loans a Good Idea during a Recession in Kansas City?

Whether you’re an active service member, a surviving spouse, or a veteran, you may be wondering whether or not getting a VA loan during a recession or unstable economy is a good idea. VA loans offer the borrower several advantages such...

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What Individuals can qualify for a COE when applying for a VA Loan in Kansas City?

A COE of Certificate of Eligibility is given to a lender and confirms that you’re eligible for the Veterans Administration home loan benefit. Listed below are the requirements for a COE based on who you are in re...

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5 Common Refinancing Mistakes in Kansas City

When refinancing your home, it’s important to make the best decisions possible in order to avoid unnecessary delays and expenses. The following are the 5 most common mistakes individuals often make when applying for a refinance loan:

• They apply fo...

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9 Reasons You shouldn’t Refinance Your Home in Kansas City

Real estate market industry research has shown us that there are 6 reasons why refinancing your home may be a good idea including:

• a higher monthly payment is now affordable
• it could lower your current interest rate
• you want to co...

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5 Advantages of a Cash-out Refinance in Kansas City

There is a lot to be said about cash-out refinance loans, especially when it comes to paying for upgrades and renovating your home. However, there are other benefits to be aware of including these 5 perks:

• It increases the value of your pro...

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6 Reasons to rely on a Mortgage Broker when buying a Home in Kansas City

How do you avoid high interest rates, get the best professional help, and secure a home loan that works with your budget? By relying on the right mortgage broker. Here are 6 reasons to consider working with one:

• A mortg...

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3 months ago
I recently had the pleasure of working with McGowan Mortgages for our home buying process and I can't speak highly enough of Derek and his staff. We didn't have a realtor, but that didn't matter because they provided all the help we needed throughout the process. They were always readily available and willing to go above and beyond to ensure our needs were met. From the first time we talked with Derek, we knew we were in good hands. He took the time to fully explain the mortgage process in detail, answering all of our questions and ensuring we understood every step. His expertise and professionalism really shone through. Throughout the process, Derek and his team were always there for us - from securing the best mortgage rate, to promptly responding to our calls and emails. I truly appreciate the level of personalized attention we received from McGowan Mortgages. Their attention to detail, patience and professionalism made our home buying journey smooth and stress-free. Overall,...
- Graham K
2 months ago
Incredibly knowledgeable, hard-working, and talented team! We can’t say enough good things about our experience with McGowan Mortgages. Derek and his team were with us every step of the way - even when the road got a bit bumpy - they continued to work endlessly to ensure our first home buying experience was successful! Their constant communication, and ability to explain every step of the process assured us that we were in the best hands possible. We wouldn’t work with anyone else!
- Megan C
a month ago
Derek is amazing. He and his team get back to you so quickly with everything! They made it so I didn't have to do any work which was nice, because I had no idea what I was doing. They easily beat every other loan I was able to find, even through my bank.
- Simon C

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


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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
Sat:10:00 AM – 4:00 PM
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