Guiding you home.
Buying a house can be challenging.
Getting the right mortgage loan shouldn't be.
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?
Experience You Can Trust
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.
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.
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.
Frequently Asked Questions
How do I start my mortgage application?
It’s simple to begin your journey to homeownership. All you need to do is contact us and we’ll take the first steps together.
Call us at 1.888.255.1929, email us at Hello@railtrustmortgage.com, or apply today. One of our expert mortgage specialists will be in touch with you immediately to see how we can best help you.
What sort of documents will I need to have on hand to begin my mortgage application?
The most important documents will be the basics that verify your employment and income as well as any assets you hold. Expect to need at least two months of paystubs and two years of federal tax returns as well as two to three months of bank statements and any information on your current debt (credit cars, car loans, student loans, etc.) Click to view our Kansas Mortgage Checklist.
What is an FHA loan
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). First-time homebuyers often take a close look at FHA loans because the requirements are less strict than other conventional mortgage loans.
What is the difference between interest rate and APR?
The interest rate is the monthly fee your lender asses on the unpaid balance of the loan based upon a percentage you agree to when you take on the loan.
An Annual Percentage Rate (APR) is the total yearly cost of the loan. It includes both your interest rate and any additional costs. These additional costs could include origination and processing fees, underwriting, and insurance.
The APR helps give you a more accurate comparison of mortgage loans costs offered by different lenders.
What is a "Reverse Mortgage”?
A reverse mortgage is a home loan that could allow older homeowners over 62 to use their home equity now in a lump sum or over time with monthly draws or a growing line of credit.
The process basically works in reverse. At the conclusion of a reverse mortgage, the borrower must repay the loan. The loan balance grows over the course of the loan and interest is charged on the outstanding balance. Interest on a reverse mortgage can’t be deducted on your taxes until the borrower begins making payments.
Ready to get started?
We strive to be better in everything we do when it comes to providing mortgage services you can trust.
How much house can you afford? We'll help you find the answer.
Free consultation with a Mortgage Expert
$100 Value
*Requires a short phone consultation to determine qualifications.
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- Equal Housing Lender
- NMLS: 2455196
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