Kansas & Missouri · Twenty years of home loans

A home loan with nothing hidden inside it.

Beau Bryan has written home loans in Kansas and Missouri for twenty years — and you’ll see how every piece works before you sign anything.

  • Conventional
  • FHA
  • VA
  • Non-QM
Start my pre-approval or call 913-669-0008

NMLS #732702 · New American Funding · Overland Park, KS

Exploded axonometric illustration of a house: roof lifted away, front wall floated aside, the lit two-storey interior fully visible
Fig. 01 Exploded view — the house comes together the way the loan does
20+years in the business
4loan programs
1direct line

COMING HOME

Pre-approval, rate lock, underwriting, closing day — every step handled, explained, and on time.
So the only thing on your mind is the front door.

Start your pre-approval

Fig. 02 · The lender

Twenty years in. Still answers his own phone.

Beau Bryan is the Branch Manager at New American Funding in Overland Park, Kansas. He has spent more than twenty years in mortgage lending — through refi booms, a crash, and the strangest markets on record. Rate, payment, closing costs, timeline: he gives you real numbers and tells you plainly which loan fits and why.

20+years lending
2states licensed
1person on your file

Branch Manager · Overland Park, KSNMLS #732702

Fig. 02 Beau Bryan · New American Funding

Fig. 03 · The programs

Four ways to finance a house.

Beau prices all four side by side before recommending one — so the loan fits you, not the other way around.

03.1

Conventional

The straightforward one. Strong credit, steady income, the best pricing on the board.

From 3% down · Most common

03.2

FHA

The forgiving one. A lower step in the door — the way most first-time buyers actually get in.

3.5% down · Flexible credit

03.3

VA

The earned one. Zero down for veterans and active duty — Beau treats it like the benefit it is.

0% down · Service earned

03.4

Non-QM

The flexible one. Self-employed, 1099, real income that doesn’t fit a W-2 box — there’s still a loan for that.

Bank statements OK · Self-employed

Fig. 03 Program elevations — same house, four doors in

Fig. 04 · The monthly payment

One payment. Four parts. All visible.

  1. 01

    Principal

    The part that buys the house. Every month, a little more of it is yours.

  2. 02

    Interest

    The cost of borrowing. Beau shows you rate and APR side by side, before you commit to anything.

  3. 03

    Taxes & insurance

    Collected monthly, held in escrow, paid for you. On the sheet from day one — never a surprise at closing.

  4. 04

    Mortgage insurance

    Only if you put less than 20% down — and on most conventional loans it comes off at 20% equity. Beau tracks the date so you stop paying the month you can.

Fig. 04 Payment anatomy — it traces itself; tap a part to hold it

Fig. 05 · The estimator

Run your own numbers. Right here.

Same four parts as above — now with your price, your down payment, your rate. Nothing is submitted. Nothing is stored. Move the sliders and watch the payment move.

$385,000
$150k$900k
10% · $38,500
0%35%
6.500%
4.000%9.000%
30 years

Estimated monthly payment

$2,869/mo

$346,500 borrowed over 30 years at 6.500%.

  • Principal $313
  • Interest $1,877
  • Taxes & insurance $529
  • Mortgage insurance $150

Interest paid over the full term$442,616

A 15-year term costs $734 more a month — and $268,914 less in interest.

Principal and interest are the first payment’s split — principal grows every month after. Taxes and insurance estimated at 1.30% and 0.35% of price per year (Johnson County range). Mortgage insurance applied at 0.52% per year when the down payment is under 20%. Estimate only — not a quote, a rate offer, or a commitment to lend. Beau prices the real thing in about ten minutes.

Fig. 05 Working estimate — the same four parts, solved for your inputs

Fig. 06 · The range

If it can be financed in Kansas or Missouri,
Beau has already priced it.

Most people only ever hear about two loans. There are a lot more than two — and three of them decide more Kansas City deals than the rest put together.

Conventional3% down VA0% down, no monthly MI FHA3.5% down USDA0% down Jumboabove the conforming limit
Investment propertyDSCR, qualifies on the rent New constructionextended rate lock Refinancebreak-even math first Not ready yeta plan and a timeline
Plate 06–A Kansas City — the streets these programs actually buy
Money toward the down payment

Pathway to Homeownership

New American Funding puts up to $6,000 toward the down payment in eligible areas — and eligibility is drawn by census tract, not by income alone. Beau checks the address before you ever fill anything out.

Up to $6,000 · Eligible areas

Win the house you actually want

NAF Cash

Make a cash-backed offer on the new house first, then sell the old one without a contingency hanging over the deal. In a multiple-offer weekend, that is usually the whole difference.

Buy before you sell · No contingency

Real income that doesn’t fit a W-2

Bank-statement loans

Qualify on 12 or 24 months of deposits instead of a tax return written to minimize income. If you own the business, this is often the difference between “declined” and “approved.”

12 or 24 months · Self-employed

Fig. 06 Program index — licensed in Kansas and Missouri · NMLS #732702

Fig. 07 · The process

A straight line to the keys.

No portal maze, no mystery underwriter. One person, three steps, real numbers at every one.

Step 01

Tell him the situation.

Call the direct line. Ten minutes, no phone tree, no application first — just what you’re trying to do.

Step 02

See the math.

He prices it across Conventional, FHA, VA and Non-QM — rate, payment, and closing costs on paper, side by side.

Step 03

Get the keys.

Clear to close — with the same person answering the phone the whole way through.

Fig. 07 Sequence — call, math, keys

Fig. 08 · The file

The number you’re quoted
is the number you close on.

One file, thirty days, one number. Drag the timeline — on a file Beau runs, day 30 closes on the figure day 1 quoted, while the typical lender’s number quietly drifts up.

Loan estimateDay 1

Monthly payment

$2,847/moRate locked · 6.500%

  • Principal & interest$2,191
  • Taxes & insurance$505
  • Mortgage insurance$151
Typical lender’s number by this day$2,847
RATE LOCKED FEES DISCLOSED ESCROW SET NO SURPRISES

Fig. 08 Sample file — drag the timeline; illustrative figures, not an offer of credit

Fig. 09 · On camera

Straight answers, on camera.

The same plain talk you get on the phone — recorded, so you can check the answers before you ever call.

Start here. How Beau’s team runs your loan.

NAF Connect intro

Start here. How Beau’s team runs your loan.

NAF Connect intro

How to buy a home with cash.

And when you should not

What NAF Concierge actually does.

Service, explained

HELOC or cash-out refi.

Which one, and when

Fig. 09 Recorded answers — tap any plate; it plays right here

Fig. 10 · The reviews

The reviews say the same thing.

Twenty years of clients, one recurring theme: he picks up, he explains, nothing gets hidden.

Beau walked us through every number before we signed anything. First house, zero surprises.

First-time buyers · Overland Park, KS

He answered his own phone on a Saturday and had our rate locked by Monday morning.

Refinance · Lee’s Summit, MO

Three lenders told us no. Beau found the loan that actually fit how we get paid.

Self-employed purchase · Olathe, KS

Fig. 10 Sample copy shown — Beau’s live Google reviews drop in here

The light is on. Make the call.

Twenty years of straight answers. One phone number.

The same exploded house at night — every window glowing warm from inside
Call 913-669-0008 Start my pre-approval
Beau Bryan

Beau Bryan
Branch Manager

NMLS #732702 · New American Funding · Overland Park, KS