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Guiding you home.

Buying a house can be challenging.

Getting the right mortgage loan shouldn't be.

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Right Loan. Best Rate.​

Every Customer Is Family.​

Easy, Trusted Process.​

Fed up with Feeling Lost in the mortgage loan process?

  • Unsure About How Much House You Can Afford?​
  • Worried About Losing A Deal Due To Slow Approval?​
  • Tired Of Being Treated Like Just Another Loan Deal?​

We Believe everyone deserves a Trusted mortgage Partner To Help Guide Them Home.

Our Kansas mortgage experts have the experience to guide you to calculate a mortgage plan that’s perfect for you. We call Newton, Kansas, home, and serve customers throughout our great state.

Mortgage calculator
RailTrust Mortgage loan officer smiling at new client

OUR PROCESS GUIDES YOU HOME IN 3 EASY STEPS.

Convenient online access makes it easy to achieve your financial and homeownership goals.

1. Apply Online

Our streamlined applications syncs with your bank to get you accurate numbers, fast.

2. Get Pre-Approved

See how much you can borrow, then shop homes or move forward with your financing.

3. Close & Come Home

Use your to-do list to verify the details and get to closing fast.

Kansas Mortgage Loan Learning Center

Convenient online access makes it easy to achieve your financial and homeownership goals.
Single woman reviewing refinancing options for her home

Refinancing Your Home

Calculate your mortgage and take advantage of the best home loan rates possible to lower payments today.

Calculating mortgage loan options

Mortgage Calculator

Try our mortgage calculator. Enter your mortgage rate and term to get a quick idea of your Kansas home loan approval.

Young couple moving into their new home

Conventional Loan

Kansas first-time home buyers, Realtors, or Kansas real estate investors, start here.

Veteran and family moving into a new home

Veteran Mortgage Loans (VA Loans)

Veterans, thank you for your service. Learn more about VA loans, calculate your mortgage, and close fast.

Family on a farm who used an USDA loan

USDA Loans

Newton, Hesston, Salina, and other Kansas home buyers, learn more about affordable USDA loans here.

Mother and daughter excited to move into new house

FHA Loans

First-time home buyers or anyone looking for a Kansas FHA mortgage can learn about the home loan process here.

RailTrust Mortgage does a phenomenal job of getting you the best rate. The process is so easy and flexible. He is very responsive, and the process has always been quick and easy.
Austin & Paige
We couldn’t have asked for an easier, more stress-free lending experience. RailTrust Mortgage was so personable, professional, and timely, in what often times is an overwhelming process.
Dave & Amanda
Do yourself a favor and check out RailTrust Mortgage in Newton, KS if you are needing any type of home loan!  The team at RailTrust is very knowledgeable, a pleasure to work with, and they actually help make the home buying process fun!
Matt Koontz, RealtorJ.P. Weigand & Sons, Inc.

Ready to get started?

We strive to be better in everything we do when it comes to providing mortgage services you can trust.

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Why choose RailTrust Mortgage?

Expert Guidance​

Our team helps you calculate your mortgage and find you the right home loan at the best rate, fast.​

We Love Newton, KS​

Our mortgage lenders call Newton, KS, home. We live here, work here, and invest here.

We Treat You Like Family​

No more confusing processes or slow communication. Guiding you home is our #1 priority.​

talk with an expert