Conforming conventional mortgages for Hays buyers — 3% down first-time buyer programs (HomeReady, Home Possible), cancellable PMI at 20% equity, and the 2026 conforming limit of $806,500.
Quick answer
Conventional Loans are available for Hays, KS buyers through Kansas Mortgage Lending — the practice of Radley Brooks (NMLS #263374) at Primary Residential Mortgage, Inc. (NMLS #3094). Pre-approvals are typically issued within one business day. For program specifics see our main Conventional Loans page; for Hays market context see our Hays, KS mortgage lender page.
Every Conventional Loans loan follows the same federal underwriting framework — but the local context around a Hays file matters: Fort Hays State University, healthcare, oil services, property condition patterns, and the specific appraiser panel that serves this market. Kansas Mortgage Lending originates Conventional Loans for Hays buyers weekly, and the institutional knowledge shows up in timelines.
Begin online at the pre-approval page or call (620) 860-4480. A real loan officer reviews every submission — you’ll hear back the same business day.
Yes. Kansas Mortgage Lending originates conventional loans for Hays, KS buyers and across all 105 Kansas counties. Radley Brooks (NMLS #263374) has originated Kansas mortgages for 20+ years from the Hutchinson branch.
The standard minimum is 620, though best pricing goes to credit scores of 740+. Conventional pricing is materially credit-score-driven via Loan Level Price Adjustments (LLPAs).
The baseline 2026 conforming loan limit in most Kansas counties is $806,500 for a one-unit property. Loans above that amount are jumbo and follow different guidelines.
Start online at /mortgage-pre-approval/ or call (620) 860-4480. Most full pre-approvals for Hays buyers are issued within one business day when a complete document package is submitted.
Real loan officer review. 24-hour turnaround.
Start Pre-Approval