Click on the links for each loan term below for more details about our home loan products.
|Term||Interest Rate||Annual Percentage Rate (APR)|
|3/1 Year ARM||4.125%||5.277%|
|5/1 Year ARM||4.375%||5.174%|
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|
|Cristina Johnson||Vice President- Lending||764782||(816) 781-4500|
|Danial (Dan) Holt||Loan Officer||804547||(816) 781-4500|
|Tyler Gray||Commercial Loan Officer||1570856||(816) 781-4500|
|Nancy Lloyd||Loan Servicing||1244930||(816) 781-4500|
|Emily Ousley||Loan Processor/Closer||1778121||(816) 781-4500|
|Brandon Schmiedeke||Assistant Vice President /Kearney Branch Manager||1911925||(816)628-4500|
|Pamela Crow||Assistant Vice President||779851||(816) 781-4500|
|Valerie Fort||Loan Review Specialist||764776||(816) 781-4500|
|Mario Usera||President||764769||(816) 781-4500|
|Jacqueline Murtha||Vice President||553911||(816) 781-4500|