KS State Bank Overview
KS State Bank is a national lender serving consumers in 50 states and provinces. KS State Bank offers a broad range of product offerings including conventional fixed mortgages in 10, 15, 20, 25, and 30 year terms. In addition, KS State Bank offers 30 year adjustable rate mortgages (ARMs) in and 5 year terms - Adjustable Rate Mortgages will stay at a fixed rate for an introductory period. After the introductory period, the payment and rate will change with current mortgage rates. KS State Bank also offers FHA mortgages to accomodate borrowers with lower credit scores as well as low down payments (to find out more about the low down on FHA Mortgages click HERE). For former or active members of the military, KS State Bank offers VA loans which can offer low down payments and zero primary mortgage insurance (PMI).
KS State Bank is a national lender serving customers in all 50 states except: New York.
Lender fees include processing, underwriting, application, and origination charges. Unlike processing, underwriting, and application fees, an origination fee is based off a percentage of the loan amount similar to a discount point. KS State Bank has the following FIXED charges for each loan originated: processing - $795, underwriting - $0, application - $0. KS State Bank does not charge an origination fee.