Click on the links for each loan term below for more details about our home loan products.
| Term | Interest Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 1-Year ARM | 3.50% | 4.29% |
| 3/1 Year ARM | 4.00% | 4.28% |
| 5/1 Year ARM | 4.75% | 4.769% |
| 10-Year Fixed | 4.00% | 4.048% |
| 15-Year Fixed | 3.250% | 3.283% |
| 20-Year Fixed | 3.750% | 3.776% |
| 30-Year Fixed | 3.875% | 3.894% |
APR on home loans is based on a loan amount of $150,000. ARM is an adjustable-rate mortgage loan and the APR is based on a 30-year amortization. CMT is the one year average on U.S. Treasuries adjusted to a constant maturity. Loans quoted are based on an 80% LTV (loan-to-value). Loans are available up to 95% LTV with private mortgage insurance. Interest rate and APR quoted on home loans are for customers with a minimum credit score of 740. Actual rates may be higher based on a lower credit score.
Please call Clay County Savings Bank’s loan department at (816) 781-4500 during normal business hours for current interest rates on loans.
Our Registered S.A.F.E. Mortgage Loan Originators
| Name | Title | NMLS Unique Identifier | Phone Number |
|---|---|---|---|
| Kathryn Varnon | Senior Vice President | 710843 | (816) 781-4500 |
| Rickey Pierce | Commercial Loan Officer | 644439 | (816) 781-4500 |
| Danial (Dan) Holt | Loan Officer | 804547 | (816) 781-4500 |
| Cristina Johnson | Loan Officer | 764782 | (816) 468-1120 |
| Pamela Crow | Assistant Vice President | 779851 | (816) 628-4500 |
| Nancy Lloyd | Loan Servicing | 1244930 | (816) 781-4500 |
| Emily Ousley | Loan Processor/Closer | 1778121 | (816) 781-4500 |
| Valerie Fort | Loan Review Specialist | 764776 | (816) 781-4500 |
| Tyler Gray | Credit Analyst | 1570856 | (816) 781-4500 |
| Mario Usera | President | 764769 | (816) 781-4500 |
| Jacqueline Murtha | Vice President | 553911 | (816) 781-4500 |