Mortgages

Ready to Buy a Home?

Join one of our FREE homebuying workshops and receive $500 towards closing costs for attending.¹

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Where Are You in the Homebuying Process?

Purchasing a New Home

Buying My First Home

Looking for a Lower Rate

Trust One of Kansas City’s Top Mortgage Lenders

As the Official Mortgage Lender of the Kansas City Chiefs, we take great pride in helping our members put down roots in our community. Our team includes local lenders and processors, so you can rest assured we’ve got the expertise on the local housing market. So, whether you’re looking for your first home, your next dream home or even to refinance your current home, we have the expertise and the resources to help you get there. Here’s what you can expect from a mortgage with us:

Competitive mortgage rates
Local servicing
Valuable experience as a top Kansas City mortgage lender
An increased share of our Profit Payout*– qualified mortgage households earn an average Profit Payout of $289

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Find the Best Mortgage Rate

Pairing the perfect loan with your perfect home is no easy task, which is why we’re here to make the process as easy and convenient as possible. To see rates specific to your personal situation, enter your information in our handy online tool. Once you’ve found the rate that’s right for you, apply online to get pre-qualified.

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Your Mortgage Advisor is Here to Help Every Step of the Way

Easily Apply Online

Call Us at 877.904.2228

Send Us an Email

Schedule an Appointment

Get Pre-Qualified for Your Dream Home

Be ready when you find the house that’s right for you by getting pre-qualified for a mortgage with CommunityAmerica. Having a pre-qualification in hand before you hit the market will give you a more accurate idea of your home hunting budget, as well as provide proof to agents and sellers you’re serious and financially ready to buy a home. We make the process simple – it only takes about 20 minutes to complete our online application.

Apply For Pre-Qualification

Homebuying Resources

Mortgage Payment Calculator

Crunch the numbers to see your potential monthly mortgage payment.

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Home Affordability Calculator

Determine how much of a mortgage you may be able to obtain.

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Blog Posts

You can find more mortgage info, tips and tricks by checking out these related blog posts.

Profit Payout

A mortgage with us could help you increase your share, with qualified mortgage households earning an average Profit Payout^*of $289.

Estimate Payout

Refinance Your Mortgage

Make the move to a better rate.

Our experienced mortgage loan experts love to save people money, so let’s see if refinancing your mortgage could help you save money. Our online mortgage refinance calculator is a great place to start. Refinancing can also give you the opportunity to lower your interest rate and monthly payments, change the term of your mortgage, eliminate Private Mortgage Insurance (PMI) or cash out on your home’s equity. Whatever your reason for refinancing, we can help you find the option that’s best for you.

Find Out More

First-Time Homebuyer

Trust our team of Kansas City mortgage experts.

Buying your first home is one of the biggest investments you’ll make, which is why our knowledgeable mortgage lenders are here to walk you through each step in the homebuying process. Plus, our First-Time Homebuyer Loan¹ features a fixed interest rate for the first 10 years (adjustable every 6 months thereafter) and 100% Loan to Value (LTV)¹ with as little as $500 out-of-pocket and 0% down payment required.

Try out some of our handy online mortgage calculators to help you set your homebuying budget and estimate your monthly mortgage payments. When you’re ready to get started, we’re ready to help.

Get Started

Mortgage Loan Options

One of the first steps in the mortgage process is figuring out whether a fixed rate or an adjustable rate is right for your situation.

Fixed Rate: Offers stability and peace of mind. A fixed rate means consistent payments throughout the life of the loan. We have many terms and rates available for fixed rate mortgages.

Adjustable Rate: Provides lower rates with shorter terms. Your rate is locked for a set amount of time and then adjusts with the market periodically throughout the term.

Specialty Mortgage Loans

FHA: Provided through the Federal Housing Administration, this mortgage is available at a fixed rate with varying terms. The go-to option for smaller down payments.

VA: If you served in the U.S. military or are on active duty, you’re eligible for extremely competitive rates on a Veteran’s Administration loan.

USDA: If you plan on buying in a rural area, the United States Department of Agriculture backs loans with attractive options, such as no money down, varying terms and competitive rates.

Construction-to-Permanent: We’ve made financing your dream home a breeze. Our Construction-to-Permanent Loan begins as a construction loan that allows you to build your home from scratch, then converts to a traditional mortgage after construction is complete.

Bridge: If you’ve found the perfect home before selling your current one, a Bridge Loan can help fund the down payment on your new home using the equity in your current home.

Calculators

Mortgage Payment

Do the math to find out your potential monthly mortgage payment.

Calculate Now

Mortgage Affordability

Determine how much of a mortgage you may be able to obtain.

Calculate Now

Mortgage Refinance

Crunch the numbers to find out if refinancing could save you money.

Calculate Now

See All Calculators

Use our calculators to make the most informed mortgage decisions.

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From the Blog

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Profit Payout*

Investing in YOU by sharing our profits.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like competitive rates, low fees, and our annual Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $100 million to members over the past 13 years. This year, qualified mortgage households received an average Profit Payout of $267!

Estimate Your Payout

How does a mortgage work?

If a borrower doesn’t have enough cash on hand to buy a home outright, they will most likely need to get financing. A financial institution will lend money to a qualified borrower, using the property as collateral. The borrower must pay back the balance plus interest over an agreed upon term. However, if payments stop, the lender will take ownership of the property.

How do you calculate monthly mortgage payments?

The loan amount, the interest rate and the term of the mortgage impact a mortgage payment. In addition, there are typically monthly allocations for property taxes, hazard insurance and (if applicable) private mortgage insurance (PMI). Use our mortgage calculator to see how each of these variables could affect your potential mortgage payment.

What do I need to be Pre-Qualified?

Our application only takes about 20 minutes to complete. If you have the following on hand, you may finish even quicker:

A pay stub covering the most recent 30 days
W2 stubs from the past two years
Bank statements covering the past two months
Your most recent transaction summary from 401K, IRA, or Mutual Fund accounts

How much equity do I need to refinance?

As long as you owe less than the current value of your home, there is potential for you to refinance. As a general rule, you should owe less than 95% of your home’s value before considering a refinance. Use our calculator to see if refinancing could be a good option for you.

When should you refinance?

You should consider a refinance if you owe less than 95% of your home’s value, and you see rates are more than 0.5% APR below your current rate. Commonly, we see people refinancing to achieve one or more of the following:

Lowering interest rate and/or payment
Shortening loan term
To take cash out

Member Favorites

Homeowners Insurance

Protect the roof over your head. Along with everything under it².

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Hybrid Home Equity

Unlock your home’s potential to cover renovations, debt consolidation and more.

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Cashback Free Checking

Earn 1% cash back on the first $500 of monthly purchases³.

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CommunityAmerica Credit Union NMLS ID #402934
NMLS Consumer Access – Verify Your Mortgage Lender

Tips to Avoid Foreclosure

1 First-Time Homebuyer Loan. Limited to Kansas City and St. Louis Metro areas. Annual Percentage Rate (“APR”) is for well-qualified borrowers. Offers of credit may vary based on your credit worthiness. Property insurance is required. Current rates subject to change without notice. All loans subject to approval.

2 Home Insurance. Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products:

Are Not Federally Insured

Involve Investment Risk

May Lose Value

Are Not Obligations or Guaranteed by the Credit Union

3 Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Chiefs Checking account or a Cashback Free Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account on the day before the last day of the month to receive benefits for that same month. Cash back will be deposited into the Chiefs Checking or Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 6/16/2025 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. Limit one Chiefs Checking or Cashback Free Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, or Loan Advantage. Qualifications for cash back: The membership account number tied to the Chiefs Checking or the Cashback Free Checking account must complete the following: Enrolled in eStatements; one direct deposit of $250 or more per month, not aggregated; 15 posted point-of-sale debit card transactions per month to a single checking account; OR enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking account. Transactions exclude refunds, credits, fees, pre-authorizations, and ATM transactions.

Mortgages

Ready to Buy a Home?

Where Are You in the Homebuying Process?