Home Turf Loans

field marker

When it comes to achieving your goal of home ownership, we know you have what it takes. And when you team up with Central Bank of the Midwest’s Home Turf Loan Program, you give yourself the home field advantage.

Call Beverly Smith at 816.521.2543 to get started! Call Today!

The Coach

Beverly Smith

Beverly Smith

NMLS ID 544213

Our team of seasoned mortgage professionals is led by Head Coach, Beverly Smith, who puts her 20 years of experience in the mortgage business to work for families like yours every day.

Our team will tackle any questions you have, so before you blitz the Kansas City area with your home search, set up a pre-game meeting with a Central Bank of the Midwest Loan Coach to equip yourself with all the information you need.

  • Understanding how much you can afford
  • Understanding all the costs
  • Getting pre-qualified
  • Scheduling a homeowner education course (if required)

Call Beverly Smith at 816.521.2543 to get started today!

The Game Plan

Home Turf Loan Details

  • All normal closing costs are paid for by Central Bank of the Midwest, including home inspection and appraisal
  • Prepaid expenses (up front real estate taxes and homeowners insurance) to be paid by the borrower, the seller or gifted
  • Borrower must be a U.S. Citizen or a permanent resident alien
  • Income level at or below 80% of the area median income*
  • Maximum loan amount of $150,000
  • Low down payment (home purchase only)
  • Qualifying properties must be located within specific Zip codes of Kansas City, Mo., Independence, Raytown and Grandview. Contact Beverly Smith at 816.521.2543 to learn more about qualifying neighborhoods

Learn more by downloading our Home Ownership Playbook

*2013 FFIEC Estimated Metropolitan Area Median Income is $71,200


When your offer is accepted, contact your Loan Coach. We’ll handle most of the blocking and tackling from here:

The Loan Estimate

A Loan Estimate will be created to help you estimate how much you’ll need on closing day.

The Home Inspection

Central Bank of the Midwest will order and pay for a professional home inspection to ensure there aren’t defects that affect the safety, liability or resale value of your home.

The Appraisal

Central Bank of the Midwest will order and pay for the appraisal of the property to ensure it is indeed worth the value of the loan.

The Title Company

The title company will ensure the title is free and clear. In most cases you will close your loan at their office.

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