The Fort Riley VA loan playbook (2026).
BAH math for E-5 through O-3, residual income, funding fee exemptions, and the Junction City / Manhattan / Ogden / Wamego market breakdown.
Every guide below is written by Radley Brooks — NMLS #263374, Division President at Primary Residential Mortgage, Inc. — from more than two decades of closing Kansas mortgages. No filler. No affiliate math. Just the questions Kansas buyers actually ask, answered with real numbers.
BAH math for E-5 through O-3, residual income, funding fee exemptions, and the Junction City / Manhattan / Ogden / Wamego market breakdown.
How underwriters read Schedule C, K-1, and 1120-S returns. The two-year rule, bank-statement loans, and the add-backs that change the math.
Which Kansas markets are USDA-eligible, 2026 income limits by county, the 580 credit floor, and property rules that catch most buyers off guard.
The $806,500 conforming line, Overland Park and Leawood scenarios, physician loan programs, and how to win competitive offers above $1M.
The math we actually use. Rate-and-term, cash-out, FHA streamline, and VA IRRRL scenarios — with Kansas pricing and break-even examples.
Utilization, disputes, rapid-rescore, and the week-by-week sequence that moves mid-FICO scores 40–100 points before you apply.
Side-by-side comparison — credit, down payment, PMI vs. MIP, and when each program is the better fit.
Down payment, credit, timeline, KHRC down-payment assistance, and the Kansas-specific program menu.
How mortgage rates are actually priced, what moves them, and how to lock smart.
Median prices, inventory trends, and buyer leverage by major Kansas metro.
County-by-county mill levy comparisons with real dollar impact on your monthly payment.
Every question buyers have asked Radley — answered in plain language with the numbers that matter.
Ten minutes online, no credit pull to start. Radley reviews every application personally.