First Assured Mortgage

10/20/2026

Had the opportunity to sponsor the Lawrence Board of REALTORS® Charity Classic supporting local programs to stabilize households in need.

It was a beautiful day at Lawrence Country Club and I got to catch up with lots of friends in the Realtor community.

I also gave away a membership to Swing365! Congratulation to Devin Florio with Lawrence Landscape for guessing closest to his driver carry distance!

09/14/2026

Happy Monday MorningFresh Quote: 30 yr fixed Conventional purchase
Purchase Price: $500,000
Loan Amount: $400,000 / 80%
Down Payment: $100,000 / 20%
Rate: 7.250% APR: 7.553%
Principle and Interest Pmt: $2,728.71

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We are committed to providing our customers the lowest mortgage rates available from the very best mortgage lenders available. Apply securely online now.

08/31/2026

Look at this new listing in Hays, KS. Listed by Melissa Dewey with Coldwell Banker Executive Realty - Hays,KS

WHAT WOULD IT TAKE TO BUY THIS HOME? Contact Kip Keeley - NMLS #2817873 For more info.

3713 Thunderbird Drive in Hays is listed for $649,000 and offers four bedrooms, four bathrooms and more than 4,000 square feet.

For the buyer who has equity from their current home or funds available for a substantial down payment, here is one possible financing option:

Purchase price: $649,000
Down payment: $129,800 — 20%
Loan amount: $519,200
Principal and interest: $3,368
Estimated property taxes: $672
Estimated homeowners insurance: $250

Estimated total payment: $4,290 per month
No monthly mortgage insurance

Would this home fit your next chapter?

Want to see what the payment would look like with a different down payment? Send us a message and we’ll put together an option based on your situation.

Payment example assumes a 30-year fixed conventional mortgage with 20% down, 6.750% interest rate and 6.983% APR, repaid in 360 monthly principal-and-interest payments of approximately $3,367.52. Property taxes and homeowners insurance are estimates and may change. Estimated total payment does not include HOA dues, if applicable. Closing costs and prepaid expenses are not included in the down payment. Rates and terms are subject to change and borrower qualification. This is not a commitment to lend.

First Assured Mortgage
Company NMLS #17380
Joel Kaczor | NMLS #311194

For Sale: View 47 photos for 3713 Thunderbird Dr, this 4 bed, 4 bath, 4031 sqft. single family home in Hays, KS listed at $649,000. MLS #206321

08/27/2026

🏡 HOW WE’RE HELPING THIS CUSTOMER

After a house fire, one of our customers needed more than a traditional mortgage—they needed a way to rebuild their home.

Their insurance settlement paid off the existing mortgage, but they still needed financing for construction. Their contractor referred them to us, and after reviewing the situation, we structured a one-time-close construction refinance.

This solution allows the value of the land and the portion of the property that survived the fire to count toward the homeowner’s equity in the project. The new loan provides the funds needed for construction and then converts into permanent mortgage financing when the home is complete.

Why does that matter?

✅ One closing instead of separate construction and permanent-loan closings
✅ Fewer duplicated closing costs
✅ Professional construction management, inspections and draw administration throughout the rebuild
✅ Protection from market risk during construction, with the potential to float down if market rates are lower when the home is completed, subject to lender terms

When life changes unexpectedly, the right mortgage solution can help create a clear path forward.

If you’re building, rebuilding or working with a customer who needs construction financing, let’s talk through the options.

Finance with confidence. We’ll help you find the right path.

First Assured Mortgage
NMLS #17380
Joel Kaczor | NMLS #311194
Kansas Licensed Mortgage Broker
Loan approval and program availability are subject to underwriting, property eligibility and lender guidelines.

Send a message to learn more

08/24/2026

08/20/2026

How we helped this customer. If you are self employed or work with self employed people, and have struggled with conventional income guidelines, there may be a solution.

A Business Owner Whose Tax Returns Didn’t Tell the Whole Story

A successful business owner wanted to refinance a property he had purchased with cash and improved using his own funds.

The challenge was that the taxable income shown on his returns did not accurately reflect the cash flow his business was generating. Under traditional mortgage guidelines, he couldn’t document enough qualifying income.

Instead of stopping there, we took the time to understand:

• How his business generated revenue
• His percentage of ownership
• The deposits flowing through the business
• What he wanted to accomplish with the refinance

After reviewing the complete situation, we selected a Non-QM loan program that could use 24 months of business bank statements to calculate income.

The lender analyzed the eligible business deposits, applied the appropriate business-expense factor and accounted for his 50% ownership interest.

The result?

He completed the cash-out refinance and recovered a portion of the money he had invested in purchasing and improving the property.

A tax return doesn’t always tell the whole story of a business. Sometimes the difference is taking the time to understand the borrower and knowing which programs are available.

Have a mortgage goal but aren’t sure your situation fits the standard box? Send us a message before you rule it out. We’ll look at the complete picture and help you understand your options.

First Assured Mortgage
Finance with confidence.

First Assured Mortgage, NMLS #17380
Licensed by the Kansas Office of the State Bank Commissioner
Equal Housing Opportunity

All loans are subject to credit, income, property, program and underwriting approval. Not all applicants will qualify. Programs, rates, terms and guidelines are subject to change without notice.

12/31/2025

Fresh Quote:
FHA 30 yr fixed 632 Credit Score
Rate: 5.990% APR: 6.786%
Purchase Price: $200,000 Loan Amount: $190,000
Monthly Pmt: $1157.84 Tax Estimate: $197.92
Insurance Estimate: $95.00 Monthly PMI: $86.60

The best mortgage advice is to shop for the best rate and fees! Realtor.com Freddie Mac agree! Not shopping could cost you thousands. Your rate and fees quote is just a click away at

We are committed to providing our customers the lowest mortgage rates available from the very best mortgage lenders available. Apply securely online now.

09/19/2025

Weekend special for this property only. Get this property under contract this weekend and get special financing offer.
FHA Purchase with a
5.375% Interest Rate 6.137% APR
3.5%. Down Payment $8,396.50 (Can come from a gift)
$1,319.04 Monthly Payment (P&I only)

With seller paid closing costs of $3,500 you only have to come up with the down payment estimated closing date Oct 31st.

Total Cash to Close Estimate: $8,385.60
$1,810.32 Estimated Total Payment (includes taxes, ins and MI)

Of course you must qualify for an FHA mortgage. Apply online at www.firstassuredmortgage.com

https://www.realtor.com/realestateandhomes-detail/451-Perry-St_Lawrence_KS_66044_M81429-17357?cid=soc_shares_fs_ldp

451 Perry St, Lawrence, KS 66044 is for sale. View 17 photos of this 3 bed, 1 bath, 1060 sqft. single family home with a list price of $239900.

07/17/2025

We have some great options for first time home buyers! Look at this new listing. Buy this home with an FHA 30 yr fixed. With a total monthly payment of $2,386.90.

Rate 6.25% / APR 7.013 / Down Payment $10,322

Easy pre approval - apply online www.firstassuredmortgage.com

https://www.realtor.com/realestateandhomes-detail/1008-Lawrence-Ave_Lawrence_KS_66049_M84181-53581?cid=soc_shares_fs_ldp

1008 Lawrence Ave, Lawrence, KS 66049 is for sale. View 30 photos of this 3 bed, 2 bath, 1008 sqft. single family home with a list price of $294900.