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  North American Savings Bank Mortgage Refinance

North American Savings Bank Mortgage Refinance

in Mortgage Refinance from North American Savings Bank · NMLS ID #400039

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North American Savings Bank Mortgage Refinance

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in Mortgage Refinance from North American Savings Bank · NMLS ID #400039

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Highlights
Highlights
Loan Amount Up to $2,000,000
Loan Term (Years) 15 - 30 years

North American Savings Bank Mortgage Refinance Review

North American Savings Bank Mortgage Refinance is offered by North American Savings Bank (NMLS #400039), a bank founded in 1927 and based in Kansas City, MO. North American Savings Bank Mortgage Refinance is available in 1 state across the USA.

Key Takeaways
  • 4 different mortgage programs offered. North American Savings Bank Mortgage Refinance refinances FHA, VA, jumbo, conforming, and conventional mortgages.
  • Financing for single-family and multi-family properties. However, North American Savings Bank does not offer financing for manufactured homes.
  • Standard interest rates types. North American Savings Bank Mortgage Refinance offers adjustable-rate mortgages and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage refinance loan early.
  • Fair credit accepted. Borrowers with a credit score as low as 650 may qualify for North American Savings Bank Mortgage Refinance.
North American Savings Bank Mortgage Refinance Pros & Cons
Pros Cons
  • Considers applicants with fair credit.
  • Charges an origination fee.
  • Charges prepayment fees.
  • No co-sign option.
  • Only available in 1 state.
North American Savings Bank Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via North American Savings Bank Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. North American Savings Bank Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

Does North American Savings Bank Mortgage Refinance charge a mortgage origination fee?

Yes, North American Savings Bank Mortgage Refinance will charge a loan origination fee starting at $995

What mortgage programs does North American Savings Bank Mortgage Refinance offer?

North American Savings Bank Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • Jumbo: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does North American Savings Bank Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. North American Savings Bank Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by North American Savings Bank

Availability

  Available in 1 state
Missouri
Availabile in all of Missouri

Feature Breakdown

Origination Fee ($) Starting at $995
Credit Score Range 650 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Joint Loan Applications Accepted Co-borrower
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Property Type
  • Manufactured/Mobile Home
  • Multi-Family Home
  • Single Family Home
  • Townhome
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Insurance
  • Proof of Residence
  • Social Security Number
  • Driver License (or other photo ID)
APR Starting at 2.547%
Loan Term 15 - 30 years
Loan Amount Up to $2,000,000
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
Mortgage Programs
  • FHA
  • VA
  • Conventional Mortgages
  • Jumbo

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