Local mortgage and construction lending experts

As a community mutual bank serving Kansas City for over 90 years, we’re proud to partner with you in securing the right financing for your plans.

Talk to us View financing options

You're one step closer to the home of your dreams

As a hometown lending expert and HBA sponsor since 1948, we offer financing for purchases, custom builds, home improvement loans and more. We also offer programs for physicians, service workers, veterans, and first-time homebuyers that are built to help you achieve your homeownership dreams. Fill out this form and select your financing interest, and a member of our team will reach out to you soon.
Or, learn more about our financing options.

Conventional Mortgage

First Federal Bank of Kansas City has been a mortgage leader for more than 90 years. Our loan officers work with you to make getting your mortgage simple and fast, while helping find the terms that best work for you.

Build a home

Construction hero - Let's build your forever home.

Our Construction-to-Permanent Loan allows you to fund the construction and payment of your home in a single loan, giving you one closing fee and a locked rate for your entire loan. We also offer a Blanket Loan that allows you to start building before your current home sells. With us, you can focus on building the home you’ve always wanted.

Build a barndominium

Dreaming of building your custom barndominium? Whether you’re using post frame, steel frame, or stick built construction, our Barndo Loan Program is designed specifically for Barndo-style homes. Our loan solutions can help you pay off existing land loans, build your barndo from foundation to finish, and even save money on the build cost by acting as your own general contractor.*

*Except in Texas

Home improvement loans

The equity you’ve built in your home can help pay for things like home improvement projects, major purchases, or anything you might need. With competitive rates and flexible options, a Home Equity Loan or a Home Equity Line of Credit (HELOC) can help you get the money you need to fund home improvement projects, major purchases, or your next big dream.

Home loan programs

Our loan programs reflect our commitment to the people and communities we serve. See if one of these programs could be right for you.

Physician Loans

Our unique Physician Loan Program brings the vision of homeownership to medical professionals who dedicate their lives to serving others.*

100% LTV financing up to $1M - no down payment required
No private mortgage insurance - save thousands over the loan term
Higher loan limit - finance purchases up to $1.5M

*Eligible borrowers include interns, residents, fellows, and licensed medical professionals practicing within 10 years of residency completion. Physician is defined as one who is a Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Nurse Practitioner (NP), Physician Associate (PA), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine (DMD), Doctor of Pharmacy (PharmD), Doctor of Podiatric Medicine (DPM), Doctor of Science (DS), or Doctor of Optometry (OD). Applicable to purchases of a primary residence in the Kansas City MSA only.

VA Loan Programs

As a service member or veteran, you may be entitled to take advantage of special mortgage options backed by the U.S. Department of Veterans Affairs (VA). We’ve been a VA lender since 1946, helping veterans buy homes with deserved benefits.

No down payment required - You can buy a home with no down payment, as long as the sales price does not exceed the home’s appraised value.
Low closing costs - VA rules limit the amount of closing costs you’re required to pay. Plus, VA rules allow for seller-paid closing costs. We’ll help you understand the eligibility rules.
No Private Mortgage Insurance - Most low down payment mortgages require Private Mortgage Insurance (PMI), which raises your monthly payment. A VA loan will save you money because PMI isn’t required.
Reusable eligibility - You don’t have to be a first-time home buyer and you can reuse your loan benefit to buy or refinance a home.

*Certain restrictions may apply.

Hometown Heroes Loan

A program for firefighters, EMTs, paramedics, nurses, teachers or law enforcement officers

We believe those who serve, protect and educate deserve to be celebrated for making our communities a better place to live and prosper.*

Flexible financing options - Conventional, VA, FHA and USDA eligibility
Lower upfront fees - $500 credit at closing
Discounted interest rate - 0.125% lower than First Federal Bank’s established rate
Available in all 50 states

*Eligible borrowers must be currently employed as a firefighter, EMT, paramedic, nurse, teacher or law enforcement officer at the time of application and closing. Applies to purchases, refinances, and cash-out refinances of owner occupied primary residences. Subject to credit approval. Rates, terms, and conditions subject to change.

First Time Homebuyer Programs

As a true community bank, we're committed to opening the door to homeownership for all. Contact us to hear more about our programs for first-time homebuyers

Why First Federal?

HBA sponsor

Proven experts. With over 90 years of serving Kansas City and as HBA sponsors since 1948, we’ve been longstanding lending experts.

Dedicated to you

Our team is here when you need us. Give us a call at (816) 241-7800 for support that cares about you.

Mutual bank benefits

Mutual banks like us are true community banks. We don't have owners or stockholders. This means we’re focused entirely on your success, and our profits are reinvested back into the bank and the communities we serve.

*All loans subject to credit approval.

We are proud to be a financial institution that supports families, businesses and the community—helping people build a better financial future.