Community Mortgage (Chris Hernandez - NMLS :276755)
Mortgage Lender serving Independence, MO
About Community Mortgage (Chris Hernandez - NMLS :276755)
Kansas City First Time Home Buyer is a dedicated online portal for Community Mortgage, LLC, designed specifically to assist individuals in Kansas and Missouri navigate the path to homeownership, particularly focusing on first-time buyers. Powered by Chris Hernandez, a Senior Loan Officer (NMLS# 276755), this platform simplifies access to a variety of mortgage solutions from Community Mortgage, LLC, an Equal Housing Lender (NMLS# 224143). The organization prides itself on guiding clients "every step of the way," from initial financing questions to settling into their new homes.
The lender offers a comprehensive suite of government-backed and conventional home loan programs tailored for the Kansas and Missouri markets. These include popular FHA, VA, and USDA loans, as well as state-specific initiatives like Missouri's MHDC First Place Loan, which provides 100% financing and down payment assistance. They also highlight the Mortgage Credit Certificate (MCC) program, offering a valuable federal tax credit for eligible first-time homebuyers, which can be combined with various loan types.
Community Mortgage, LLC, through its Kansas City First Time Home Buyer initiative, emphasizes personalized attention and respect for each client, aiming to make the complex process of purchasing a home as smooth and accessible as possible. With a commitment to serving both Kansas and Missouri residents, they strive to empower individuals and families to achieve the American dream of homeownership.
The lender offers a comprehensive suite of government-backed and conventional home loan programs tailored for the Kansas and Missouri markets. These include popular FHA, VA, and USDA loans, as well as state-specific initiatives like Missouri's MHDC First Place Loan, which provides 100% financing and down payment assistance. They also highlight the Mortgage Credit Certificate (MCC) program, offering a valuable federal tax credit for eligible first-time homebuyers, which can be combined with various loan types.
Community Mortgage, LLC, through its Kansas City First Time Home Buyer initiative, emphasizes personalized attention and respect for each client, aiming to make the complex process of purchasing a home as smooth and accessible as possible. With a commitment to serving both Kansas and Missouri residents, they strive to empower individuals and families to achieve the American dream of homeownership.
Company Information
Lender Type: Direct Lender
Headquarters: Independence, MO
Licensed In
KSMO
Certifications & Credentials
FHA ApprovedVA ApprovedUSDA Approved
Digital Capabilities
Online Application
Home Loan Products
FHA Loan Program
Loan Types:
FHA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
96.5%
Max LTV
620
Min Credit Score
VA Loan Program
Loan Types:
VA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
Guaranteed Rural Housing (USDA) Loan
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeTownhouseManufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
0
100%
Max LTV
Conventional Loan Program
Loan Types:
Conventional
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
First Place Loan
Loan Types:
ConventionalFHAVAUSDA
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerDown Payment AssistanceVeteran Program
Available Terms:
30 years
Credit Tiers:
Good (680-739)Excellent (740+)
0
100%
Max LTV
640
Min Credit Score
Mortgage Credit Certificate (MCC)
Loan Types:
FHAVAUSDAConventional
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Special Programs:
First-Time HomebuyerVeteran Program
Contact Information
17000 E 40th St Suite 1
Independence, MO 64055
US
Mailing Address:
19045 E. Valley View Pkwy., Suite F Independence, MO 64055
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Business Information
Category: Mortgage Lender
Location: Independence, MO
Status: Standard
Type: Direct Lender
NMLS ID: 224143
Profile Views: 1
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