Home Loan Types
Conventional Fixed-Rate Loan
Purchase your first home or a second property
With a Conventional Loan, you won’t have to worry about your payment increasing. Fixed-rate loan terms are available for up to 30 years and these loans are ideal for borrowers with qualifying credit and a minimum down payment of 3%. Check out the features below.
Loan features:
- Interest rates remain fixed for the life of your loan
- Maximum loan amount is $510,400.00
Loan requirements:
- Primary residence: 3% minimum down payment, 620 minimum credit score
- Second-home: 10% minimum down payment, 620 minimum credit score
- Cash-out refinance: Maximum loan to value of 80%, 620 minimum credit score
- PMI required for loan amounts < 20% down payment, rates vary based on credit score and loan value
Contact a Home Loan OfficerStart application process
VA Fixed-Rate Loan
No down payment for eligible service members and military veterans
VA Loans require no down payment and a minimum credit score of 680. In order to be eligible for this loan, the borrower must be an active duty, or retired member of the armed forces, or surviving spouse. The loan can be used for buying a home or purchasing a newly constructed home, as long as the builder is VA-approved and/or provide a ten-year warranty is included from the building company.
Loan features:
- Zero down payment
- No monthly mortgage insurance premiums
- Rate adjustments for loan size and credit score
Loan requirements:
- Maximum loan amount varies dependant on location
- New construction requires use of VA approved builder and a certificate of occupancy or ten-year HUD warranty
- Appraisal must be performed by a VA approved appraiser and property must comply with VA minimum property requirements
- VA funding fee (financed)
- For the current funding fee chart, click here.
Contact a Home Loan OfficerStart application process
Adjustable-Rate Mortgage Loan
An Adjustable-Rate Mortgage (ARM) Loan starts with lower closing costs and has a variable interest rate that can change throughout the life of the loan.
- Fixed interest rate periods of 3 years
- Maximum loan term 20 years
Contact a Home Loan OfficerStart application process
Construction Financing Loans
Finance your dream house
Construction Home Loans are lines of credit used to build a home.
- Maximum loan to value, based upon 80% of completed appraised value
- Funds are disbursed throughout the building process
- You only pay interest on the outstanding balance of the loan
Contact a Loan OfficerStart application process
Bridge Loans / Swing Loans
A Bridge Loan / Swing Loan is a short-term loan to assist you in the time between transactions such as purchasing a new home and selling your old home.
- Bridge Loans are secured by the borrower’s existing home
- Monthly interest payments required
Report a Lost / Stolen Debit Card
During Banking Hours
785-456-2221
After Banking Hours
866-546-8273
Telephone Banking Number
785-456-6565
785-537-0802
You may also report a lost or stolen debit card via online banking or the mobile app.
Meet Our Home Loan Officers

Chad Herman
Real Estate Loan Officer - NMLS #1481079
Chad brings more than 12 years in the mortgage industry to BFH. Having worked in every area of the mortgage department, his behind the scenes knowledge and loan officer experience give him an advantage to really understand the entire mortgage process and make it relatable to his customers. His favorite part of being a... read more
785-458-3176 (Direct)
785-410-9297 (Cell)

Ronda DeVader
Real Estate Loan Officer - NMLS 580132
For more than 21 years, Ronda has guided customers through the complicated process of buying a home and making it as simple and easy as possible. She puts forth great care and pride to ensure every customer is comfortable throughout the process. When she is not working, she loves going to family sporting events and... read more
785-458-3210 (Direct)

Meghan Helin
Loan Orginator - NMLS 1473284
Meghan is a graduate of Kansas State University and uses her degree daily to take care of customers during the home buying process. With five-plus years of experience in the mortgage industry, she prides herself on her excellent customer service and understanding of the entire home buying process. When she is not... read more
785-458-3120 (Direct)