Not a commitment to lend. Licensed in specific states. Advertising content versus personalized advice. All the legal framing a mortgage website needs.
Welcome to kansasmortgagelending.com/ (the "Site"), operated by Radley Brooks (NMLS #263374), a licensed Mortgage Loan Originator with Primary Residential Mortgage, Inc. ("PRMI"; NMLS #3094), Branch NMLS #937171, in connection with PRMI’s Hutchinson, Kansas branch. By accessing or using this Site you agree to these Terms of Use. If you do not agree, please do not use the Site.
The information on this Site is provided for general informational and marketing purposes. Nothing on this Site is a commitment to lend, an offer of credit, or a guarantee of any loan rate, loan product, or loan approval. All mortgage products are subject to underwriting review and approval, and to terms, conditions, and availability that may change without notice. Loan approval is based on criteria established by PRMI and applicable investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae, HUD, VA, USDA, and others).
Radley Brooks is licensed to originate residential mortgages in Kansas, Oklahoma, Texas, Arkansas, California, and Missouri. Primary Residential Mortgage, Inc. is licensed in additional states. We do not accept applications from states in which we are not licensed. If you reside outside Radley’s licensed footprint and contact us, we may refer you to a licensed PRMI loan officer in your state.
Articles, guides, FAQs, and other content on this Site discuss general mortgage, financial, tax, or legal concepts. This content is not personalized financial, tax, or legal advice. Your own situation should be reviewed with a licensed loan officer, accountant, or attorney before acting on anything you read here.
We may reference third-party sources including NMLS Consumer Access, the Consumer Financial Protection Bureau, the U.S. Department of Housing and Urban Development, the Department of Veterans Affairs, the U.S. Department of Agriculture, the Kansas Housing Resources Corporation, the Federal Housing Finance Agency, and others. These references are for informational purposes. We are not affiliated with the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), or the U.S. Department of Agriculture (USDA). Program details may change — always verify with the relevant agency before making decisions.
We take reasonable care to ensure content on this Site is accurate as of its publication or last-updated date. Mortgage guidelines, tax rules, rates, loan limits, and program eligibility criteria change frequently. We make no warranty that any particular statement remains accurate at the time you read it. Always confirm program terms through a direct conversation with a licensed loan officer.
Unless explicitly displayed with a full Regulation Z disclosure (annual percentage rate, loan amount, loan term, discount points, payment example, and stated assumptions), this Site does not quote specific interest rates or APRs. Any rate references in blog content are general market commentary attributed to public sources such as the Freddie Mac Primary Mortgage Market Survey (PMMS) and are not rate quotes. Personalized rate quotes are provided by Radley Brooks after review of your application, credit, and property details.
When using the Site or submitting information through it, you agree that:
All content on the Site — including text, design, images, code, logos, and the overall arrangement — is the property of Radley Brooks and/or Primary Residential Mortgage, Inc., and is protected by U.S. copyright and trademark law. You may view and share individual pages for personal, non-commercial reference. You may not republish, repurpose, or commercially distribute content without written permission.
Third-party marks including FHA, VA, USDA, Fannie Mae, Freddie Mac, HomeReady, Home Possible, and the Equal Housing Lender logo are the property of their respective owners and are used for descriptive, informational purposes only.
Your use of the Site is also governed by our Privacy Policy, which is incorporated by reference. Submission of any contact or pre-approval form constitutes consent under the Telephone Consumer Protection Act for Radley Brooks to contact you at the phone number and email provided — including by automatic telephone dialing system, prerecorded message, or text — regarding mortgage products. Consent is not a condition of purchase and may be revoked at any time.
The Site and its content are provided "as is" and "as available" without warranty of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that the Site will be uninterrupted, secure, or error-free.
To the fullest extent permitted by law, Radley Brooks, Primary Residential Mortgage, Inc., and their respective officers, employees, and affiliates are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Site, even if advised of the possibility of such damages. This limitation does not apply where prohibited by law or where liability arises from a mortgage loan transaction governed by its own contractual and regulatory framework.
These Terms are governed by the laws of the State of Kansas, without regard to conflict-of-laws principles. Exclusive venue for disputes arising from or relating to these Terms shall be the state or federal courts located in Reno County, Kansas, subject to applicable consumer-protection statutes.
We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age (provided the applicant has capacity to contract), or because all or part of the applicant’s income derives from a public assistance program. You have the right to a copy of the appraisal report used in a mortgage transaction you apply for.
We may update these Terms at any time. Changes are effective upon posting. Continued use of the Site after changes constitutes acceptance of the revised Terms.
Radley Brooks
Primary Residential Mortgage, Inc. — Hutchinson Branch
302 E. 30th Ave., Hutchinson, KS 67502
(620) 860-4480 · rbrooks@primeres.com
PRMI Corporate: 1480 N 2200 W, Salt Lake City, UT 84116.