Matthew Heard

Residential Lending
Mortgage Loan Officer

Central Bank of the Midwest
609 N M-291 Highway
Lee's Summit, MO 64086
p: (816) 224-7277
c: (816) 616-8500
Email Matthew
NMLS# 1108602

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Mortgage Checklist

This checklist can help you gather the documents you need to proceed with the loan.

View or print our Mortgage Checklist PDF Icon

  • Completed Loan Application and Signed Authorization
  • Homeowners Insurance Declaration Page (If refinancing)
  • Current Mortgage Statement (If applicable)
  • W2s from last two years
  • 30 days pay stub with YTD earnings
  • 2 months current bank statements, all pages
  • Social Security or Pension Awards letters (If applicable)
  • 2 Years tax returns
  • Divorce Decree (If applicable)
  • Trust Documents (If applicable)
Matthew is your experienced and dedicated lending professional with 15 years of experience. His mission is to provide the highest level of integrity and service in assisting all of his customers and clients in their mortgage needs. Ensuring a client fully understands their available options is Matthew’s number one priority; it’s something he takes great pride in. He understands how crucial it is to ensure you are making the best choice for your family and their financial needs. A home is one of the largest purchases most people make in their lives. Let’s make sure Matthew can help you do it the right way. Matthew looks forward to providing you with exceptional expert service.

Calculate Your Future Mortgage Payment

The parts of your monthly mortgage payment include both repayment of the loan principal and the monthly interest on the outstanding balance. A mortgage payment can also include pre-payments on property taxes, homeowner’s insurance and monthly homeowner’s association dues into an escrow account managed by your lender. Calculate your estimated yearly costs below and monthly payment to help you decide how much you can afford.

 

 


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Current Rates


We offer many loan options for investment properties, please contact a loan officer for details.

INTEREST RATE APR MONTHLY PAYMENT

The Central Bank Rate Quote Tool is provided for informational purposes only and does not represent a credit decision or commitment to lend. Results depend on many factors, including the assumptions you provide.

The Rate Quote Tool assumes the property is a Single Family Detached Home, the borrower has excellent credit (including a FICO Score of 740 or greater) and a lock period of 45 days.

All rates and programs subject to loan underwriting and approval and may be subject to change depending on individual credit profile and other qualifications.  Interest rates and program terms are subject to change without notice. 

Monthly payment does not include amounts for taxes, property insurance and mortgage insurance (where applicable). Your actual rate, APR, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.

* The annual percentage rate ("APR") calculations in the display are based on current interest rates and estimated finance charges. Actual charges may vary based on the terms of the loan and geographical area.

USDA loans are subject to an annual 'Guarantee Fee' equal to 0.35% of the amount financed, payable in equal monthly amounts.