Financial & Mortgage Tools

Here you’ll find all you need to help you determine if your financially ready to buy or build a home, how much home you can afford, prep for your mortgage and lender meetings and more! You’ll also find information and links to our Preferred Lenders. We want your Pathway to Homeownership to be as smooth and successful as possible. Having a solid financial foundation is just as important as the foundation your home sits on!

Recommended Lenders

Delmar Mortgage

Sandy Weber

Loan Officer
NMLS# 389207

24/7 Service

In Person, Online or On The App

Call: (316) 640.5090

Email: sweber@delmarmortgage.com

Located At: 429 S. 119th St.

Wichita, KS 67235

Learn More About Sandy

Guild Mortgage Company

Guadalupe Martinez

Loan Officer
NMLS# 1560300

Se habla español

Apply In Person or Online

Call: (316) 250.5066

Email: gmartinez@guildmortgage.net

Branch Location: 4601 E. Douglas, Ste 200

Wichita, KS 67218

Learn More About Guadalupe

RCB Bank

Christy Almquist

Sr. Mortgage Loan Originator
NMLS# 754429

Service 7 Days A Week

Specialized Loan Program for Doctors

Office: (316) 247.7706 | Cell: (620) 755.5761

Email: calmquist@bankrcb.net

Located At: 10501 E. Berkeley Square Pkwy

Wichita, KS 67206

Learn More About Christy

Did you know? After you’ve been preapproved by one lender you have 45 days to comparison shop lenders. Multiple lenders can perform credit checks and it will be viewed as one inquiry on your credit report according to the Consumer Financial Protection Bureau.

Recommend Tools & References

See The Credit Score A Lender Sees | MyFico.com

From the MyFico.com website:

Who We Are

myFICO is the official consumer division of FICO, the company that invented the FICO credit score. FICO Scores are the most widely used credit scores, and have been an industry standard for more than 25 years.

Your All-In-One Solution

Compare your FICO Scores and credit reports from all 3 bureaus—Experian, TransUnion, and Equifax—side-by-side. Understanding your credit has never been easier!

Prepare For Your Credit Goals

Get the right score for your credit goal, including your FICO Scores used for mortgages, auto loans, and credit cards.

Get The Score Lenders Use

Get your FICO Score, the score that is used in over 90% of US lending decisions. Although they may look the same, other credit scores can vary as much as 100 points from your FICO Score.

Delmar Mortgage Company App

From the App Store Description

Delmar Financial has been making the home loan process as easy as possible since 1966. Whether you are buying your first home, a new home, an investment property, interested in refinancing your existing loan, or a real estate agent hoping to speed up the process for your clients, the My Home Loan App by Delmar Financial offers features to benefit you.

Key Features:
Apply for a loan in 10 minutes
Compare different loan scenarios with full monthly payments and costs to help determine the best loan product for your needs
Ability to track the loan progress for you and your real estate agent with real time push notifications
Securely upload required documents on your phone or through your phone’s camera
Calculate the possible savings of refinancing your mortgage
One click call, text or email to your loan officer and/or real estate agent

This does not constitute a commitment to lend. All loans subject to full underwriting approval and satisfactory appraisal. Program subject to change without notice. NMLS ID 30998. For state specific licensing information visit http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/30998

Delmar Financial Company is an Equal Housing Opportunity Lender

Download the Delmar Financial Company App from GooglePlay here.

Download the Delmar Financial Company App from App Store here.

Guiding You Through Life's Financial Journey | Bankrate.com

From Bankrate.com:

Compare rates, crunch numbers and get expert guidance for life’s pivotal financial moments.

Why trust Bankrate?

Bankrate has been the authority in personal finance since it was founded in 1976 as the “Bank Rate Monitor,” a print publication for the banking industry. Bankrate has been surveying and collecting mortgage rate information from the nation’s largest lenders for more than 30 years. Hundreds of top publications, such as The New York Times, Wall Street Journal, CNBC and others, depend on Bankrate as a trusted source of financial information, so you know you’re getting information you can trust.

Visit Bankrate.com here.

Make All The Right Money Moves | NerdWallet.com

From NerdWallet.com:

Need expert money advice helpful tools and tailored insights to answer your money questions? Turn to the Nerds.

Easily explore your best money options for:

Everything you need — totally free

Expert info

Our objective and award-winning editorial team of 80+ Nerds make even the most complicated money questions and topics simple to understand.

Helpful tools

Side-by-side comparisons, smart calculators and straightforward simulators help you make sense of your options.

Tailored insights

Tell us more about you and we’ll recommend things like the best credit card for your spending habits, simple ways to up your credit score and more.

Consumer Protection Basics | Consumer.gov

From the Consumer.gov website:

Consumer.gov is a government website that helps you:

  • Manage and use your money wisely
  • Use credit and loans carefully
  • Protect your identity and money

This website is simple to use and features information for everything from making a budget, opening a bank account, using debit and credit cars, buying a used car, renting, saving money when you shop, to understanding your credit history, learning about Payday Loans and Cash Advances, managing debt, learning about imposter scams, avoiding identity theft, recovering from identity theft and more!

Visit the Consumer.gov website here.

 

 

Mortgage Calculator

The creator of the mortgage calculator used on our website, this website has additional helpful mortgage calulation information and other mortgage calculators. Feel free to use our Mortgage Calculator below, or visit the MortgageOnlineAdvice.org website to learn more.

Helpful Homebuyer Tips

Mortgage Rate Factors

According to ConsumerFinance.gov, Forbes.com, Bankrate.com and NerdWallet.com there are some things you can control that affect your mortgage interest rate as well as some that you can’t. Focus on what you can to improve your chances of getting the lowest rate possible.

Factors You CAN Control:

  • Your Credit Score
  • The Location of the Home Your Buying
  • Home Price & Loan Amount
  • Down Payment
  • Loan Term
  • Interest Rate Type
  • Loan Type
  • Lender & Type of Lender

Factors You CAN’T Control:

  • Overall Economy
  • Inflation
  • Job Growth
  • Stock Prices
  • Retail Sales
  • Other Home Sales
  • The Federal Reserve

Mortgage Do Not’s

According to ConsumerFinance.gov, Slideshare.com, Bankrate.com and NerdWallet.com there are several things you should not do after you have been pre-approved, after signing a contract on a home and while you are waiting to close on your home as these things might affect purchasing and closing on your home.

Be sure to follow this list to help ensure a smooth homebuying and closing process:

  • Don’t make any large purchases
  • Don’t open any new lines of credit or take any new loans (new car, new credit cards, financing furniture, new installment loans, etc)
  • Don’t max out any credit cards
  • Don’t co-sign on loans for anyone
  • Don’t miss paying any bills
  • Don’t move any loans into forbearance
  • Don’t change or quit jobs
  • Don’t consolidate any debt
  • Don’t make large cash deposits
  • Don’t shift money from one bank account to another
  • Don’t make large deposits into a checking or savings account without consulting your loan officer
  • Don’t spend money set aside for the down payment, closing costs or savings
  • Don’t close any existing credit lines
  • Don’t be afraid to ask your lender questions

Preparing for Homeownership? Become Financially Stable First!

Here are 10 suggestions for how to become financially stable and prepare for homeownership.

Frequently Asked Questions

Browse our FAQ in our Homebuyer’s Guide to learn more about frequently answered questions.

7 Reasons to Fall in Love with a New Basement

Fall in love with a brand new home and free basement! We’re offering a free basement for all Designer and Premier homes in our Village Estates community this fall.

The Pathway to Homeownership

The Pathway to Homeownership showcases the home-building process. Learn more about the 13 steps to homeownership.

Disclaimer: The materials, resources, information and tools presented here have been curated by Miller Family Homes and are for informational purposes only and do not represent the opinions of Delmar Mortgage, Guild Mortgage Company or RCB Bank. Miller Family Homes, Delmar Mortgage, Guild Mortgage Company and RCB Bank have no affiliation with each other. Miller Family Homes holds no responsiblity or liabilty for financial, mortgage or homebuying decisions determined from these materials, tools, resources, information or communication with the recommended lenders.