CONVENTIONAL
3%
Minimum down payment
Fannie Mae and Freddie Mac conforming loans for qualifying first-time buyers with strong credit profiles.
Straight answers, pre-approval in as little as one business day, and the full loan program suite — FHA, VA, USDA, and conventional — from Radley Brooks, a Kansas mortgage lender with 20+ years of experience and Division President at Primary Residential Mortgage, Inc.
His focus: clear answers, fast turn times, and structuring loans that fit the specific Kansas market — whether that’s a USDA-eligible property in Pratt County or a jumbo purchase in southern Johnson County.
Radley Brooks has originated Kansas mortgages for more than two decades. He leads PRMI’s Hutchinson division, which has become one of the most productive branches in the region, and sits on the operational side of the mortgage business — meaning his files get prioritized through processing and underwriting because of the relationships he has built internally over 20+ years.
We originate, process, underwrite, and close in-house from the Hutchinson office at 302 E. 30th Ave. That’s why the 24-hour pre-approval is achievable and why most files go from application to clear-to-close in 21 days or less when the buyer is responsive.
Kansas, Oklahoma, Texas, Arkansas, California, and Missouri. Backed by Primary Residential Mortgage, Inc. — one of the largest privately held lenders in the country and a direct seller/servicer to Fannie Mae, Freddie Mac, and Ginnie Mae.
Four programs and structures that turn a “come back with more down” into a set of keys.
Fannie Mae and Freddie Mac conforming loans for qualifying first-time buyers with strong credit profiles.
FHA-insured loans with flexible credit guidelines — a practical path for first-time buyers rebuilding credit.
Zero down for eligible veterans and rural/small-town Kansas properties. Most of Kansas qualifies for USDA.
A real, underwritten pre-approval credible to Kansas listing agents — usually issued within one business day.
Whether you’re buying your first home in Hutchinson, refinancing in Wichita, or using your VA entitlement in Junction City, you get the full PRMI product suite — priced and structured by a local loan officer, not a call center.
Fannie Mae and Freddie Mac conforming loans with as little as 3% down for qualifying first-time buyers. Competitive structure for strong credit profiles.
FHA-insured loans from 3.5% down with flexible credit guidelines. A practical path for first-time buyers and families rebuilding credit.
Zero down, no private mortgage insurance, and competitive terms for eligible veterans, active-duty service members, and qualifying spouses.
100% financing for eligible rural and small-town Kansas properties. Most of Kansas qualifies geographically — ask about your target area.
A real pre-approval — underwritten, documented, and credible to Kansas listing agents — usually issued within one business day.
Rate-and-term, cash-out, and streamline refinances (FHA, VA). Strategy-first analysis — we only recommend a refi if the numbers work for you.
Five steps from first conversation to keys, with what happens at each one.
Estimate your monthly principal, interest, taxes and insurance.
Honest answers on down payments, credit scores, and documents needed.
All 105 Kansas counties and the 70+ cities we lend in most often.
15-minute call. No credit pull. We figure out if this is the right time to start.
Secure online application plus document upload in about 20 minutes.
Credit, income, and asset review — typical 24-hour turnaround with complete documentation.
Rate lock. Appraisal ordered. Underwriting opened. We manage every milestone.
Clear-to-close, final walkthrough, signing. Keys in hand.
Change any input — price, down payment, rate, program — and see your full monthly payment update instantly.
Kansas Mortgage Lending is run locally by Radley Brooks, with the full operational backing of one of the largest privately held lenders in the country.
A documented pre-approval is the difference between a rejected offer and a signed contract in today’s Kansas market.
Answer five quick questions — Radley reviews every submission personally. No credit pull to get started.
Radley Brooks (NMLS #263374) of Primary Residential Mortgage, Inc. has served Hutchinson, Reno County, and buyers throughout Kansas since the early 2000s. He is a Division President at PRMI and operates from 302 E. 30th Ave. in Hutchinson. “Best” is situational — what you want is a loan officer who answers the phone, underwrites locally, and can close on time. That is what this practice is built around.
A full pre-approval typically takes 24 to 72 hours once a complete application and documentation package are submitted. A pre-qualification — a lighter-touch rate estimate — is usually same-day. Kansas Mortgage Lending issues most pre-approvals within one business day when the borrower provides income, asset, and credit documents upfront.
It depends on the program. VA loans and USDA loans allow 0% down for eligible buyers. FHA loans require 3.5% down with a 580+ credit score. Conventional loans start at 3% down for first-time homebuyers. The Kansas Housing Resources Corporation (KHRC) also offers down payment assistance programs that stack with FHA and conventional loans for eligible applicants.
FHA minimums start at 580 for the 3.5%-down option. Conventional loans generally require 620. VA loans have no official floor; our lender minimum is 580. USDA loans: we’ll qualify down to 580 with manual underwriting; GUS automated approval typically requires 640+. If your score is below these thresholds, there are still often options — we review the full financial picture, not just the number.
Yes. Radley Brooks is licensed to originate in every Kansas county and also in Oklahoma, Texas, Arkansas, California, and Missouri. The Hutchinson branch handles buyers in Wichita, Topeka, Kansas City, Overland Park, Lawrence, Manhattan, Salina, Dodge City, Garden City, and every market in between.
A standard Kansas mortgage application requires: two years of W-2s or 1099s; 30 days of recent pay stubs; two months of bank statements on every account; two years of tax returns (if self-employed or commission-compensated); a government-issued photo ID; and a signed purchase agreement if you’re already under contract. VA applicants also need a Certificate of Eligibility (we can pull it). USDA applicants may need additional income documentation.
Kansas Mortgage Lending is the local practice name used by Radley Brooks. All loans are originated through Primary Residential Mortgage, Inc. (NMLS #3094), a nationally licensed mortgage lender. The Hutchinson branch operates under Branch NMLS #937171 at 302 E. 30th Ave.
A documented pre-approval is the difference between a rejected offer and a signed contract in today’s Kansas market. Start yours today — it takes about ten minutes.
Kansas Mortgage Lending originates in all 105 Kansas counties from our Hutchinson home office. The 70+ cities below are the markets we see most often.