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Real Estate/ Mortgage

Choosing a lender to help with your home purchase or refinance loan is an important decision. The people at Bank of Hays have been helping area families with their financial needs for many years. We hope you allow us the opportunity to serve you.

Loan Programs to fit your needs

Our first consideration is to carefully assess your needs and then to offer financing solutions that will satisfy those needs. Purchase or refinance, first home, move up, vacation home or rental property - we will find the right loan program just for you. Conventional, Jumbo, Fixed or Adjustable, FHA, VA, USDA Rural Development, low down payment loans and more. We offer a large variety of loan programs to better serve each customer.

Superior Service - Competitive Pricing - Easy Process

We take pride in providing superior service with competitive interest rates- in line with the major national lenders every day. We also keep our closing costs low, as you will find if you compare our estimated closing costs to other mortgage lenders. The process is easy, and we are with you every step of the way.

Fixed and Adjustable Rate Home Loans

Purchase or Refinance

  • Primary Residence
  • Vacation Home
  • Rental Properties
  • VA, FHA, Conventional
  • USDA Rural Development
  • First Time Homebuyer

First Time Homebuyers

Helping young families purchase their first home is one of the most important services we provide. We offer First Time Homebuyer Loans for Kansas properties. These programs are for first time homebuyers or those who have not owned a home in the past three years. This loan has a low 30-year fixed interest rate. Call us for details.

Refinance to reduce your house payment or cut the number of payments you owe

With interest rates near 40-year lows, many home owners can save money each month by lowering their house payment. In some cases it can be a good idea to reduce the number of payments you owe on your home loan. We can calculate whether a refinance to a lower rate or shorter term makes sense for you.

Use your home equity to pay down higher cost debt

If you are paying high interest rates on credit cards or other installment loans, refinancing and using cash from your home's equity can make perfect sense. Call us to discuss your situation.