Mortgage Broker in Kansas City, MO
Jackson County · Kansas City metro
Kansas City, MO's historic neighborhoods — Brookside, Waldo, Hyde Park — draw buyers who want character homes with real yards, while the Plaza and downtown lofts pull condo and townhome activity. Rich Home Loans is licensed in Missouri and closes purchase, FHA, VA, and refinance loans across Jackson County.
Loan programs in Kansas City
- Conventional — 2026 baseline conforming loan limit is $806,500 for a 1-unit home. Some counties exceed the baseline; check the current limit for Jackson County at searchconformingloanlimits.com.
- FHA — low down payment (as little as 3.5%), flexible credit. FHA loan limits are set at the county level and change yearly.
- VA — 0% down for eligible service members and veterans, no mortgage insurance. County VA limits no longer apply to borrowers with full entitlement.
- Jumbo — for purchases above the conforming limit in Jackson County. Rates and guidelines vary by lender; we shop the options.
- Refinance — rate-and-term and cash-out refinances on your Kansas City property.
Kansas City neighborhoods we serve
- · Waldo
- · Brookside
- · Country Club Plaza
- · Westside
- · River Market
- · Crossroads
Not listed? We finance homes throughout Jackson County.
Why a broker — not a big-bank retail LO
As a broker, RICH Home Loans shops the same loan across multiple wholesale investors on your behalf. Big-bank retail loan officers can only sell their own bank's product, whether or not it's the best fit. For a purchase in Kansas City, that often means a lower rate, lower closing costs, or both.
Rich Blanchard is a 30-year mortgage veteran. The numbers on your quote are the numbers you close at — no bait-and-switch.
Closing Checklist
The 84-item checklist Rich uses to review every Closing Disclosure before you sign.
Banking After Hours
Full PITI + DTI + pre-qualification, 24/7. No credit pull.
Book a call
Free 15-minute scenario review. Weekends OK.
Other Kansas City cities we serve
Ready to start?
Licensed in CO, TX, KS, and MO. Call, text, or email — or run your scenario yourself at Banking After Hours.