Get a written preapproval in 2 hours

Frequently asked questions

How much do I need down to buy a home in Wichita?

It depends on the loan and whether you qualify. Eligible veterans and service members can often use a VA loan with 0% down. USDA loans also allow 0% down in eligible areas outside Wichita. FHA loans start at 3.5% down for those who qualify, and some conventional loans start at 3% down for qualifying first-time buyers. Closing costs are separate from the down payment.

How fast can I get a mortgage preapproval in Wichita?

If I have your complete file during business hours, I'll send a written preapproval letter, or a written note about what still stands in the way, within two hours. Hours are Monday to Saturday, 8:00 AM to 7:00 PM Central. Files after 5:00 PM or on Sunday start the clock at 8:00 AM the next business day. A written preapproval is not a final loan approval.

What home loan programs do you offer in Wichita and Sedgwick County?

I help Wichita-area buyers with FHA, VA, USDA, and conventional home loans, plus Kansas down payment assistance when it fits. That includes purchases in Wichita, Derby, Andover, Maize, Haysville, and elsewhere in Sedgwick County, as well as refinance questions. Each program has its own rules on down payment, credit, and property type. A written preapproval shows which options may fit.

Do you work with buyers in Derby, Andover, Maize, and Haysville?

Yes. I work with buyers across Wichita and nearby communities, including Derby, Andover, Maize, Haysville, and Goddard, and elsewhere in Kansas. Program rules can vary by location. USDA eligibility depends on the exact address, and some Kansas down payment assistance cannot be used inside Wichita city limits. Tell me where you're looking and I'll help you see what may fit.

Can I use a VA loan if I'm stationed at McConnell AFB?

Often, yes, if you meet VA's service requirements. VA loans are available to eligible veterans, service members, many National Guard and Reserve members, and some surviving spouses. In most cases, eligible borrowers can buy with no down payment and without monthly mortgage insurance. You'll still have closing costs, and usually a funding fee unless you're exempt. A Certificate of Eligibility confirms the benefit; it is not a loan approval.

Where is The Mortgage Dad located, and what are your hours?

I'm Aaron Clark, a Wichita mortgage lender with Responsive Mortgage, a division of PRMG. The office is at 3234 E Douglas Ave, Wichita, KS 67208. Hours are Monday to Saturday, 8:00 AM to 7:00 PM Central, closed Sunday. You can call or text (316) 573-3996. I work with homebuyers across Kansas.

This is general information only, not a loan offer, credit decision, or commitment to lend. Eligibility, terms, and program rules can change. All loans are subject to credit approval, property approval, and program requirements.