Mortgage Loans

Envista Mortgage Lending. We do it all the time. And it's still a big deal. 

There’s nothing we enjoy more than helping people with the purchase of their own home. Envista strives to keep our rates low while pushing our customer service off the charts. That’s pretty much the perfect combination of what you’d want in a mortgage lender.

Three more reasons you should choose Envista:

Quick pre-approval process. There’s a lot of anticipation that goes along with buying a home. We try to take some of the nail biting out of the equation with a fast and easy pre-approval process. And then you know how much to shop for.

Local servicing. We service all loans in-house so you always make your payment at Envista. It’s part of our find-a-way customer service promise.

Experience. Envista is the leading provider of mortgage loans in the area. We’ve helped a lot of people into a lot of homes.

Check Current Rates

Conventional Loan

We’ve got loans for years. Which increment were you looking for?

  • 15, 20, 30 year terms
  • Fixed rate purchase or refinance
  • Low, competitive rates and terms resulting in lower monthly payments
  • Minimum 5% down payment
  • Faster loan processing since conventional loans are not dependent on government approval
  • Private Mortgage Insurance (PMI) required unless there is a 20% or more down payment
  • Required: down payment, proof of stable income, and decent credit

Home Possible Loan

We will work with you on flexible down payment options.

  • 15, 20, 30 year terms
  • Purchase or refinance options
  • Minimum 3% down payment
  • Income limit restritction

Home One Loan

A low down payment loan with no income restrictions.

  • 15, 20, 30 year terms
  • Purchase or refinance options
  • Minimum 3% down payment
  • No income or geographic restrictions
  • One borrower must be a first-time homebuyer

FHA Loan

The easiest type of loan to qualify for.

  • Purchase or refinance options
  • Minimum 3.5% down payment
  • Low credit scores and higher debt to income ratios accepted
  • Private Mortgage Insurance (PMI) required as well as an upfront funding fee of 1.75% of the loan amount that can usually be rolled into the loan

VA Loan

This program is designed for members of the Military, Veterans Reservists and National Guard members with little or no money needed for a down payment.

  • Purchase and refinance options
  • 0% down payment
  • VA Funding Fee required to participate in program (unless waived by the VA) starting at 2.15% of the base loan amount

Refinance Accelerator Loan

If you’re looking to fast track paying off your mortgage, ask about our Refinance Accelerator Loan.

  • 5 & 10 year terms
  • Low closing costs

Land & Construction/End Loans

At Envista we offer construction loans with competitive rates and fees. Several options are available to finance land, both urban and rural - whether you plan to start building right away or you are purchasing land for your future dream home.


So, what do you say? Should we bring it on home?

Apply Online


“As a broker, I know the importance of a good lender team. With local underwriting and processing, Envista has provided my clients with fast and effective results in obtaining their mortgage loans. I truly love doing transactions with Envista.”

- Beckey Cavalieri, Broker/Co-Owner, Reece & Nichols Topeka Elite, LLC

“I am very pleased with the service I have received from the Envista Real Estate Lending team. They always get the job done on time, with no surprises along the way. Very competitive with their rates and fees too. I am always comfortable recommending Stefani and her team to my clients.

- Dan Lamott, Realtor, Prudential First