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Home financing made simpler
Buying a home is a big step. Our team is here to help make home financing simpler, clearer and easier to navigate.
Find the mortgage that fits your life
Every homebuyer’s situation is different. We’ll help you compare options and understand what works best for your budget, timeline and long-term plans.
Fixed-rate mortgages: Keeps the same interest rate and monthly principal-and-interest payment for the life of the loan.
Adjustable-rate mortgages: Typically starts with a lower initial rate that can change over time, which may be a fit if you expect to move or refinance before the rate adjusts.
Construction loans: Emprise’s 1 & Done Construction Mortgage combines construction financing and permanent financing into one loan, helping simplify the closing process from start to finish.
Refinancing options: Refinancing can help you replace your current mortgage with a new one to lower your rate, change your term or better align your loan with your financial goals.
What it’s like to work with Emprise Bank
We’re here to help make your mortgage process simpler. With Emprise, you get:
- Quick prequalifications so you can shop for your home with more confidence
- Easy communication and fast answers via phone, email or online chat
- Clear guidance from experienced mortgage specialists
- Support when questions or challenges come up
- Help navigating the process from application to closing
- No prepayment penalties
Mortgage tools and resources
Get a homebuying checklist, compare mortgage options, explore adjustable-rate mortgage scenarios, estimate closing costs and more.
FAQs about Mortgages
We look at the whole picture: your income, your monthly debts, your savings, and your credit history. If you have questions about mortgage options or the application process, contact one of our mortgage specialists.
Mortgage closing timelines can vary, but many are finished in 30 to 45 days. The timing depends on factors like how quickly the appraisal is completed or required documents are provided. Our mortgage specialists are here to help guide you through each step.
Yes. Getting prequalified before you start house hunting can help you understand how much home may fit your budget and show sellers you’re a serious buyer. It can also help you move more quickly when you’re ready to make an offer.
No. While a 20% down payment can help you avoid needing private mortgage insurance, it’s not required to buy a home. Many loan programs offer lower down payment options, depending on your qualifications and the type of loan you choose.
You can use our Down Payment Calculator to see how different down payment amounts may affect your monthly mortgage payment and help you plan for what fits your budget.
A home loan often involves several fees, such as the appraisal, title charges, credit report fee, recording fees, and state or local taxes. The closing costs often range from 2-5% of the loan amount. You can use our Closing Costs Calculator to help estimate closing costs.
The exact documents can vary based on your situation, but many applicants are asked to provide recent pay stubs, W-2s from the past two years, recent bank statements and tax returns. If additional documentation is needed, our mortgage team will let you know and help guide you through the process.
Our mortgage specialists are here to help you.
Have questions about which home loan is right for you? Our mortgage specialists are here to help you understand your options so you can choose a loan that fits your needs.
Erick Lujano
Mortgage Advisor (Spanish speaking)
316.383.4487
2001 N. Broadway
Wichita, KS
Linda Foltz
Mortgage Advisor
316.383.4324
538 W. 7th St.
Augusta, KS
Ranelle Rook
Mortgage Advisor
785.838.2001
Phone or Video
Appointment Only
Schedule an appointment today!
Create a customized home loan quote
Next Steps
Visit the Mortgage Center to get a custom quote, apply, or manage your application.
Need more information? Check out today's featured rates and visit our Knowledge Center for helpful borrowing information and financial calculators.
Nationwide Mortgage Licensing System (NMLS)
Emprise Bank: NMLS #457288
In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act), Emprise Bank and its mortgage loan originators are registered with the Nationwide Mortgage Licensing System & Registry (NMLS). Consumers may access information about a registered mortgage loan originator by visiting www.NMLSConsumerAccess.org.
Employee | NMLS # |
| Aalders, Derek J. | 2351064 |
| Anderson, Megan M. | 680673 |
| Anderson, Miesha | 2444453 |
| Barker, Sydney A. | 2730629 |
| Becerra, Estefany | 2730625 |
| Bechtold, Adrianne B. | 1604684 |
| Bergeson, LaVanda | 2336224 |
| Buresh, Daniel | 2708880 |
| Burr, Michael T. | 2073969 |
| Chance, Larry S. | 880943 |
| Cherubin, Yves | 2406133 |
| Cool, Mackenzie | 2662809 |
| Crabtree, Jessica | 2147276 |
| Crawford, Rayna M. | 1256440 |
| Crossland, Caleb D. | 2684771 |
| Dieter, Aubry A. | 1039551 |
| Elsen, Lindsey R. | 1695683 |
| Ensey, Laura K. | 850441 |
| Estrada, Karymeh A. | 2453463 |
| Evans, Christopher L. | 2336782 |
| Evans, Erin P. | 1810274 |
| Fisher, Alicia M. | 680658 |
| Flores, Carmen L. | 2351078 |
| Foltz, Linda L. | 597886 |
| Fonkert, Maggie | 1088909 |
| Foulke, Coni K. | 586886 |
| Garcia, Jill R. | 597882 |
| Gibbs, Rae L. | 597888 |
| Graham, Glenn A. | 2403979 |
| Granados, Leticia I. | 485690 |
| Greenwell, Mark A. | 802789 |
| Guldenpfennig, Christopher | 2376548 |
| Hallock, Jonathan Jason Lee | 1679119 |
| Hammond, Dianne L. | 2385077 |
| Hernandez, Jose A. | 2723448 |
| Higbee Wegner, Bryson | 2620457 |
| Hibbs, Brandy N. | 2147274 |
| Hollinger, Paige A. | 2248051 |
| Howard, Lisa K. | 568031 |
| Howey, Catherine L. | 2770040 |
| Ingersoll, Michael C. | 1214658 |
| Jaimes-Delopez, Alma Cruz | 2805689 |
| Jett, Brianne E. | 2385076 |
| Jones, Andrea R. | 2770135 |
| Keever, Lisa M. | 1214659 |
| Kelsey, Evan M. | 2751774 |
| Keyser, Caitlin J. | 1934816 |
| Klotzbach, Janice L. | 680662 |
Employee | NMLS # |
| Kroulik, Michaela | 2550374 |
| Leeds, Carolyn S. | 2730626 |
| Lewis, James | 2620462 |
| Liebe, Kyle L. | 1604690 |
| Lujano, Erick J. | 1704006 |
| Marquart, Jacob F. | 1453855 |
| McClain, Andrea | 1149356 |
| McDaniel, Chad W. | 772876 |
| McGrew, Karla K. | 2770133 |
| McKinley, Tosha L. | 934056 |
| McVey, Jennifer A. | 2073977 |
| Melgar, Alex | 683287 |
| Miller, Samuel | 2620461 |
| Montgomery, Erica L. | 1276909 |
| Morgan, Hailey | 2550375 |
| Neises, Emma N. | 2701302 |
| Neptune, Braxton | 2620458 |
| Newell, Lori J. | 772879 |
| Nguyen, Debbie | 2258706 |
| Nguyen, Nathan D. | 2758984 |
| Nutter, Melissa | 680666 |
| Olivarez, Maria D. | 2620460 |
| Ortega-Ramirez, Alexandra V. | 2829045 |
| Owens, Emily A. | 2820635 |
| Palich, Joseph S. | 670536 |
| Paul, Sheila R. | 2321381 |
| Payne, Jason | 2583390 |
| Pennington, Nicole M. | 1214660 |
| Petterson, Linda K. | 680686 |
| Reed, Tiffany M. | 1439851 |
| Reisweg, Myah D. | 2518342 |
| Rivera, Ariel M. | 1453857 |
| Rodd, Dalton | 2386388 |
| Rook, Ranelle S. | 1010067 |
| Ryan, Laurie A. | 680665 |
| Sanchez, Chad L. | 1684175 |
| Scanlon, E Connor | 2351061 |
| Scantlin, Amy E. | 631123 |
| Schmidt, Eileen K. | 2147277 |
| Self, Jessica C. | 2351063 |
| Seron, Lori L. | 2258709 |
| Shackelford, Adam M. | 2305876 |
| Shanks, Wyatt D. | 2780532 |
| Shipman, Lauren T. | 2348892 |
| Smith, Natalie D. | 2684770 |
| Sopha, Parisath K. | 2258708 |
| Streit, Madison | 2536122 |
| Stevens, Marilyn E. | 2444452 |
| Taylor, Crystal N. | 2073976 |
| Waterbury, Douglas | 2805687 |
| Wiens, Kyle J. | 1889053 |
| Willard, Brandyn | 1952495 |
| Wolf, Ian W. | 1624734 |
| Wright, Kristin M. | 1857238 |
Notice of Error, Request for Information, and Qualified Written Requests (as defined in RESPA) regarding your mortgage must be sent to: Emprise Bank, PO Box 2970, Wichita, KS 67201