Explore Your Options
My lending career began over 30 years ago, assisting individuals and families finance their retail purchases. My transition to residential mortgage financing occurred early on, helping to guide homebuyers and homeowners successfully realize their goals and dreams. I find that taking the time to understand the challenges many people face allows me to find solutions others may overlook. Educating my clients and providing information about the complex mortgage process helps them to be more responsible and successful home owners. The time has come for people to change the once popular approach to borrowing as a way of life and approach household financial decisions with a detailed plan centered on goals that are designed to achieve a higher quality of life. A home mortgage is a valuable tool in this process. We live in a nation which provides opportunities for all but not without cost. I believe we should all share our talents with society with the idea of making this a better community for all. I find the rewards for doing this are far greater than any financial gains I can imagine.
Monthly Mortgage Payment Calculator
How much can you expect to pay in monthly mortgage payments, including PMI? Use this mortgage calculator to estimate monthly payments and closing costs at different interest rates, loan terms, and down payment amounts.
To obtain a deeper and more personal analysis of your mortgage options:
This is the full price of the home you would be buying.
This is the amount of money you would need to provide at the time of closing that would count towards ownership of your home. Keep in mind, you would also need to pay closing costs and other fees in addition to the down payment.
Mortgage Interest Rate
This is the percentage you would have to pay the lender for the money you've borrowed. Interest rates are based on your credit score and several other factors, as well as market fluctuations.
This is a tax levied by the government where the property is located based on the property's value.
Private Mortgage Insurance (PMI)
This is an insurance policy lenders require of borrowers who put down less than 20% of the home price to protect the lender against borrower default.
Lenders require that borrowers purchase homeowners insurance, also known as hazard insurance, to protect your property and personal possessions from certain types of crime and weather-related damage.
Homeowners Association Dues
It is common for condominium and townhome owners to owe association dues to cover building amenities, maintenance, and improvements.
About First Mortgage Solutions
First Mortgage Solutions is a family owned and locally operated Mortgage Company founded on the principles of Honesty, Integrity, and Experience.
Headquartered in Kansas City, Missouri, First Mortgage Solutions is licensed in 17 states, as well as with the Federal Housing Authority (FHA), the Veterans Administration (VA), and the United States Department of Agriculture (USDA), and has numerous locations in both Kansas and Missouri.
Specializing in refinance, purchase, home equity, and debt consolidation loans, it is our goal to find the best possible loan program for each individual homeowner. We realize that every one of our customers has a unique financial situation and goals, so it is imperative to us that these situations are taken into account and those goals are met when choosing the right loan program for every person. At First Mortgage Solutions, we do not offer any “Special Limited Time” offers, or charge any hidden fees. We simply take a consultative approach to lending in order to locate the perfect loan program, for each homeowner, every time.
It is our vast experience in the industry, coupled with our principles of honesty and integrity that will help continue and strengthen our customers’ pursuit of the American Dream.
Honesty is important to people when dealing with their greatest financial asset. First Mortgage Solutions is a no nonsense, no hidden fees, up-front residential mortgage lender. Our customers are comfortable doing business with us because we take the time to educate them on the entire mortgage process, from application to close. We take the time to get to know our clients’ total financial picture in order to match them with the right type of loan program.
Integrity, in our office, means a firm adherence to a code of strict moral values. It is of great importance to our company that we operate every day with a sense of natural integrity. The current public view of the mortgage industry is one that has been clouded previously by amoral and dishonest behavior through the agency of our peers. Conversely, at First Mortgage Solutions, we adhere to our strict moral code of integrity in everything we do. By doing this, we intend to do our part, to reshape our industry’s reputation with every one of our customers, one at a time.
Experience is the third, and final, vital part of our company’s foundation. The team at First Mortgage Solutions boasts over 75 years of experience in the mortgage industry. Our team members know what it takes to complete each transaction timely and in a comfortable manner to all parties involved. Our comprehensive experience enables us to consult with our clients and make all of their financial options available to them. First Mortgage Solutions has the experience you can trust to know that you are in good hands.