We've Got Some Big News

We'd like to welcome Heartland Tri-State Bank to the Dream First family.

Read All About It

Dream First Bank

Home Mortgage Loans

Purchasing a home is a huge milestone in your life, and you want to make sure you get the perfect house and the perfect deal. Getting an affordable mortgage starts with finding a lender that knows and cares about you.

At Dream First Bank, we’re committed to helping you find the right mortgage product to meet your needs. We understand that every borrower is different and we offer a wide variety of products to meet your individual needs.

Our Mortgage Products

  • Fixed Rate Mortgages
  • Construction Loans
  • Low Down Payment Loans – FHA Loans, VA Loans, RD Loans
  • Bridge Loans

Start Now - Get Prequalified Today

At Dream First Bank our prequalification process gets you closer to your new home! With a streamlined process and scaled-back version of our full online application, obtaining a prequalification takes considerably less time than a full application and you'll come away with valuable information as you embark on the home-buying process. 

Get Prequalified

Apply Now

Select Your Preferred Lender

Our experienced mortgage team is here to help with all your home financing needs. Just click the appropriate Apply link with your preferred lender to get started.

Dream First Bank

Mortgage Prequalification vs. Mortgage Application

Learn More

Vicki Griggs

Vicky Scheer

NMLS #: 655354

Apply Now

Cindy Messenger

Cindy Messenger

NMLS #: 680491

Apply Now

Michelle Becker

Michelle Becker

NMLS #: 754462

Apply Now

Dream First Bank

Dream First Bank's Home Equity Line of Credit (HELOC)

Discover the advantage

Don't Have a Lender Preference?

To get started without selecting a specific lender, just click the Apply Now button below. We’ll take care of getting you connected with a lender to help you on your home financing journey.

Apply Now

Financial Calculators to Help Plan

We provide over 40 helpful calculators to assist you with your budgeting and planning efforts.

Home Affordability Calculator

Common Mortgage Questions

How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Contact us and we can help you determine exactly how much you can afford.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

How is an index and margin used in an ARM?

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

How do I know which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Dream First Bank can help you evaluate your choices and help you make the most appropriate decision.

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: Repayment on the amount borrowed
  • Interest: Payment to the lender for the amount borrowed
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

How much cash will I need to purchase a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house
  • Down Payment: A percentage of the cost of the home that is due at settlement
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

NMLS Numbers

  • Dream First Bank NMLS #: 435183
  • Aimee M. Holguin NMLS #: 2159100
  • Andrew German NMLS #: 1411673
  • Brandy Littell NMLS #: 2317364
  • Caleb L. Woods NMLS #: 1411711
  • Cassondra Hull NMLS #: 2477740
  • Chris Floyd NMLS #: 707701
  • Cindy D. Messenger NMLS #: 680491
  • Corie Miller NMLS #: 2213083
  • Desarae Aranda NMLS #: 1203512
  • Deysy Miramontes NMLS #: 2159147
  • Jackie Finn NMLS #: 1811463
  • Jason Mcqueen NMLS #: 1650143
  • Martha Meraz NMLS #: 2477554
  • Matthew Bennett NMLS #: 1683711
  • Michelle Becker NMLS #: 754462
  • Paul Calvert NMLS #: 2549313
  • Rosa E. Rivera NMLS #: 697677
  • Traci Overpeck NMLS #: 862342
  • Trae Watson NMLS #: 1943889
  • Tricia Fowler NMLS #: 810890
  • Vicky Scheer NMLS #: 655354

Dream First Bank

Stop by for a visit!

We have several locations throughout southwest Kansas to serve your banking needs.