FHA-insured home financing for Hays buyers. 3.5% minimum down payment, flexible credit underwriting, and a documented pre-approval typically within one business day.
Quick answer
FHA 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 FHA Loans page; for Hays market context see our Hays, KS mortgage lender page.
Every FHA 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 FHA 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.
Required disclosure
FHA loans require mortgage insurance (MIP). This site is not affiliated with HUD or FHA.
Yes. Kansas Mortgage Lending originates fha 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 FHA minimum credit score for a 3.5% down loan is 580. Borrowers with scores 500-579 may qualify with 10% down. Individual lender overlays may be stricter; we originate down to the FHA floor case-by-case.
No — FHA loans are for owner-occupied primary residences. You must occupy the home within 60 days of closing and live there as your primary residence for at least one year.
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