Mortgage Loans

Whether you're looking to buy a new home or refinance your current mortgage, we make the lending process quick and easy through our knowledgeable team of experts.

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Mortgage

From here to home

From hopeful to homeowner. First house to forever home. One home to two. Or full house to empty nest. Wherever here is, we’ll guide you home. Apply for a mortgage loan online today, contact our experienced mortgage lenders for assistance, or view our buying journey roadmap for what to expect.

Interested in refinancing? Use our refinance calculator to see if it could potentially save you money over the life of your loan.

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Apply Today

Apply for a mortgage loan online. If you prefer to have someone help you through the application process, contact one of our mortgage experts.

Apply Now

Why choose INTRUST Bank for your mortgage loan?

We do everything we can to ensure a homebuying experience that's as quick and easy as possible.

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Competitive rates and terms

Our competitive rates can help you save money over the life of your loan.

View our rates >>

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Quick approval

We recognize homebuyers often need to act quickly to get the home they want. Your priorities are our priority.

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One point of contact

From application to closing, you'll work with one person who is dedicated to your loan.

Meet our lenders >>

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Knowledgeable

Loan decisions are made by lenders who understand the local market.

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Experienced

We offer years of experience and regularly help first-time and repeat homebuyers successfully close on their homes.

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Accessible

It's easy to get ahold of us. Whether you call or email, we'll respond promptly.

INTRUST bank mortgage lending team

Consult the experts

Our mortgage professionals are here to help

How much should I put down? What is PMI? Can I get approved for a loan today? You don't have to figure out all the answers yourself. We’re ready to help, and you can contact us anytime to ask questions or learn more about the mortgage process.

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Rates and Terms

Our current rates are for reference, and your actual loan rate will depend on factors like your credit score, loan-to-value ratio, and purpose of loan.

30-Year Fixed 1
6.000% Rate
{{RatePlaceHolder}} APR*
15-Year Fixed 2
5.500% Rate
5.493% APR*
10-Year Fixed 3
5.500% Rate
5.668% APR*
VA 30-Year Fixed 4
5.625% Rate
{{RatePlaceHolder}} APR*

*APR stands for annual percentage rate.

Rates listed are effective as of 8/2/2019 for loan amounts of $100,000 to $806,500, are not guaranteed, and are subject to change without notice. Rates and/or origination fees may vary depending on the consumer’s credit scores, loan-to-value ratio, and/or reason for the loan, such as purchase, refinance or cash-out refinance.

Get a quick estimate with our calculators

Estimate your monthly mortgage payment

Mortgage Loan term

Your estimated monthly payment is
$1,504

Payment includes estimated taxes, insurance, and PMI (if applicable).

Estimate how much you can afford

Mortgage Afford Loan Term

You can afford a home priced at

These calculators are provided for your convenience. The accuracy of the calculation is not guaranteed. It is not intended as an advertisement, a disclosure statement under any consumer law, or an offer of tax, legal, financial or investment advice, and the calculator is not guaranteed to be applicable to your circumstances. It is not a guarantee of the availability of any particular loan product or interest rate or an offer to make a loan.

What to expect

Here's what the process might look like for you, from pre-qualification to moving day. Our friendly and knowledgeable lenders will work with your real estate agent to guide you every step of the way.

Get pre-qualified

Complete an initial mortgage application so we can get you pre-qualified. No need to submit any financial documents yet. Simply fill out the application as best you can.

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Start house hunting

We’ll send you a letter of pre-qualification, and you and your real estate agent can use it to make offers on homes.

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Complete your application

Once you’re under contract on a home, you’ll submit a formal mortgage application along with documents that detail your income, tax history, and financial information. View our checklist >>

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Prepare for closing

This is the final step! We’ll help you complete the last of your to-dos, sign your paperwork, and get the keys.

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Education Center

financial-education mortgage

A Guide for First-Time Homebuyers

06/26/2025
Feeling ready to purchase your first home is an exciting milestone. Review this in-depth information from our mortgage lenders on where to start and what the process might look like for you.
Read More
financial-education home-equity mortgage

Using a HELOC as a Down Payment on a Second Home

07/18/2025
A HELOC is a flexible financial solution and can be a strategic way to buy a second home or investment property. Here’s what to know and how to apply.
Read More

Frequently Asked Questions

Browse through these popular questions and make sure to review the in-depth articles in our Education Center.

Do I need a down payment?

Yes, you will need to make a down payment unless you qualify for a loan that allows for 0% down (such as a VA loan). The amount you’ll need to put down depends on a variety of factors, and it can affect the interest rate you receive, whether PMI will be required, and your monthly payment amount.

Do I need a fixed rate or an adjustable rate?
A fixed-rate loan has an interest rate that remains the same over the life of the loan, which makes the loan principal and interest payment the same every month. Adjustable-rate loans, although they tend to provide a lower interest rate, come with more risk than a fixed-rate because the interest rate is subject to change over the life of the loan. Consider whether your budget can handle an increase in the loan payment over time; also take into consideration the length of time you plan to remain in the property.
What is the difference between interest rate and APR?
The interest rate is the contract rate of the loan, essentially what it will cost you to borrow the money. The APR, or annual percentage rate, is the total cost over the life of the loan, including other fees paid.
How is my interest rate determined?

Rates are based on a variety of factors, such as the loan purpose, your credit history and ability to repay, the value of the collateral, and the loan amount, to name a few.

What are points?
Points are a one-time fee that a borrower pays to lower the interest rate. One point equals one percent of your loan amount.
What are the closing costs?

Closing costs are items paid in connection with the settlement of your loan, including any appraisal fees, title insurance fees, pre-paid interest, and documentation fees. These costs will vary from loan to loan, depending on the type of loan you choose, property location, and other factors. You will receive an estimate of your closing costs prior to closing, so you can review and decide if you want to proceed with the loan.

What is private mortgage insurance (PMI)?

Private mortgage insurance (PMI) is a type of insurance you are sometimes required to pay if you have a conventional loan. The insurance protects your lender if you are unable to make payments on your loan. When you make a down payment of less than 20% of your home's value on your home, you are typically required to have PMI. PMI is also required on a refinance transaction if you have less than 20% equity in the property you are refinancing. Your monthly mortgage payment will typically include this cost.

What documents will I have to provide?

You are required to show proof of income and assets (such as checking, savings, and investment accounts), which usually include copies of W-2 statements or full tax returns, recent pay stubs, and account statements. You may need more documentation depending on the specific details of your loan.

What factors are considered in making the loan decision?

We look at your credit history, the property value, and your debt-to-income ratio.

How long will it take to process my loan once a contract is signed?

It can take up to 60 days, including time required for title work, appraisal, and inspection. Providing requested documents to the lender as soon as possible may help speed up the process. Make sure you report any changes related to your job status, salary, or new debt to your lender as soon as possible, as these can cause delays in the process.

Should I refinance my current home?
Determining if refinancing makes sense for you can depend on many factors, including the difference between your existing interest rate and current interest rates, how long you plan to stay in your home, and your financial goals. There could be many benefits to refinancing your loan. Refinancing helps re-structure the debt by either reducing the interest rate or the term of the loan, which can help save you money over the life of the loan. A refinance can also convert an adjustable-rate loan to a fixed rate. Calculate how much you could potentially save by refinancing to help see if it makes sense for you.
Is the interest I pay on the loan tax-deductible?

Everyone's tax situation is unique. Please consult a tax adviser to assess your individual situation.

Can I finance my rental property?
Yes, although the interest rate may be higher than a loan for a primary residence.

1. Conventional 30 Year Fixed Rate: At a 6.000% interest rate, the APR for this loan type is 6.197%. The payment schedule would be 359 payments of $972.18 at an interest rate of 6.000% and 1 payment of $969.16 at an interest rate of 6.000%. If any escrow account for real estate taxes and homeowner’s insurance premiums is required or requested, the actual payment will be greater.**

2. Conventional 15 Year Fixed Rate: At a 5.500% interest rate, the APR for this loan type is 5.493%. The payment schedule would be 179 payments of $1,307.33 at an interest rate of 5.500% and 1 payment of $1,308.39 at an interest rate of 5.500%. If any escrow account for real estate taxes and homeowner’s insurance premiums is required or requested, the actual payment will be greater.**

3. Conventional 10 Year Fixed Rate: At a 5.500% interest rate, the APR for this loan type is 5.668%. The payment schedule would be 119 payments of $1,736.42 at an interest rate of 5.500% and 1 payment of $1,736.54 at an interest rate of 5.500%. If any escrow account for real estate taxes and homeowner’s insurance premiums is required or requested, the actual payment will be greater.**

4. VA 30 Year Fixed Rate: At a 5.625% interest rate, the APR for this loan type is 5.834%. The payment schedule would be 359 payments of $1,058.46 at an interest rate of 5.625% and 1 payment of $1,057.86 at an interest rate of 5.625%. If any escrow account for real estate taxes and homeowner’s insurance premiums is required or requested, the actual payment will be greater.**

**The information provided assumes the purpose of the loan is to purchase an existing single-family home in Sedgwick County, Kansas to be used as a primary residence. Other assumptions are an estimated property value and purchase price of $200,000, a $40,000 down payment and a loan amount of $160,000. An escrow (impound) account is required.