The Mortgage Company

The Mortgage Company We would love to help find the best mortgage loan for you. We offer great rates, excellent service, NMLS #270347
KS license .0002320
Equal Housing Lender

We have an excellent and knowledgeable staff with collectively over 100 years of experience in originating mortgage loans. We offer a wide variety of loan products to fit your needs.

• Fixed Rate Loans
• Adjustable Rate Loans
• Conventional Loans
• VA
• FHA
• USDA Rural Development Loans
• State of KS First Time Home-buyer Loan
• Reverse Mortgages, for seniors 62 and older

We are available to meet with you in office, any time you like. It isn't unusual to find our originators, meeting with borrowers and realtors early in the morning, early evening, or even on Saturday or Sunday.

A veteran with a VA loan should first confirm the servicer applies extra principal correctly, then ask for a payment bre...
09/23/2026

A veteran with a VA loan should first confirm the servicer applies extra principal correctly, then ask for a payment breakdown that shows the principal balance dropping. Make the extra amount consistent and tell the lender to apply it to principal only, not the next due date. That keeps the payoff strategy clean and avoids confusion later.

If your income is steady but your savings are thin, USDA can be worth checking for eligible rural areas, while FHA is of...
09/22/2026

If your income is steady but your savings are thin, USDA can be worth checking for eligible rural areas, while FHA is often used when a buyer needs a more flexible credit profile. The key is not to guess based on the label alone; ask which program fits the property location, the source of funds, and the rest of the file. That avoids surprises after you find a home.

A common mistake is treating pre-approval like a finish line. It is really a document check: W-2s, 1099s, bank statement...
09/21/2026

A common mistake is treating pre-approval like a finish line. It is really a document check: W-2s, 1099s, bank statements, and any explanation for gaps in employment or deposits. If a buyer fixes the paperwork early, underwriting has fewer reasons to slow the file later.

When the purchase is tight on funds, the real comparison is not just the house style; it is how the loan handles upfront...
09/20/2026

When the purchase is tight on funds, the real comparison is not just the house style; it is how the loan handles upfront costs and underwriting. A VA loan can remove the down payment hurdle for eligible buyers, but the file still needs stable income, acceptable debt, and a clean look at the Certificate of Eligibility. That is why a buyer with 1099 income or a recent job change should get the documents lined up before making an offer.

A veteran buyer with strong income can still get slowed down by missing paperwork, not by the home itself. Before shoppi...
09/19/2026

A veteran buyer with strong income can still get slowed down by missing paperwork, not by the home itself. Before shopping, gather your DD214, recent pay stubs, W-2s or 1099s, and any explanation for gaps in employment so a VA file is cleaner from the start.

A buyer with steady W-2 income but limited cash for a down payment may want to check USDA eligibility before ruling out ...
09/18/2026

A buyer with steady W-2 income but limited cash for a down payment may want to check USDA eligibility before ruling out a rural address. The key details are the property location and household income limits, not just the home's price tag. A lender can verify whether the address and your file fit the program rules. Walk through the steps. https://bit.ly/3RKRKYE

A veteran with a steady W-2 job and a side gig should gather both income trails before applying. VA underwriting can loo...
09/17/2026

A veteran with a steady W-2 job and a side gig should gather both income trails before applying. VA underwriting can look at the full file, so keep pay stubs, 1099s, and bank statements organized instead of waiting for a lender to ask for missing pieces.

A homeowner with a strong equity position but messy paperwork is where this gets real. Lenders still need to see income ...
09/16/2026

A homeowner with a strong equity position but messy paperwork is where this gets real. Lenders still need to see income stability, debt obligations, and the reason the refinance makes sense for the file; if the goal is to consolidate debt or fund a major project, the supporting documents matter more than the idea itself. Gather pay stubs, W-2s or 1099s, and recent statements before the conversation. Compare this to your situation. https://bit.ly/45eurtc

A common mistake is treating a preapproval like the finish line. A better move is to ask how your file looks under real ...
09/15/2026

A common mistake is treating a preapproval like the finish line. A better move is to ask how your file looks under real underwriting conditions: W-2s, 1099s, gift funds, and any gaps in employment all need to be documented cleanly before you make an offer.

What slows many home purchases is not the house search, but a last-minute document scramble. If you are self-employed, p...
09/14/2026

What slows many home purchases is not the house search, but a last-minute document scramble. If you are self-employed, pull together your 1040s, business returns, and a clean profit-and-loss statement before you make an offer so the loan file can move without avoidable delays.

Address

155 N. 7th Street
Salina, KS
67401

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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