Bret Engel

  • Mortgage Loan Specialist
  • NMLS: 1685056
  • (785) 587-4000 x258
  • (785) 410-7911
  • (855) 384-1888
  • 1010 Westloop Place
  • Manhattan, Kansas 66502

As a Mortgage Loan Originator with KS StateBank I’m eager to put my dual business degrees from Kansas State University and my experience to work. I’m ready to provide you with the knowledge and know-how that will not only make the lending process go smoothly, but will help you find the right loan and term for your situation. The financial aspects of home buying can be stressful and overwhelming, but they don’t have to be with me in your corner. I pride myself in being a trained and caring professional that will be with you every step of the way.

 

Whether you’re a first-time home buyer, looking to trade up, wanting to look for better rates, or cash-out options, I can help you before you ever make an offer on a property. I am happy to help you get a clear picture of what type and amount of loan is realistic for you by reviewing your budget, needs and expectations. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. I will help you review all your options so you can concentrate on making the best and most informed decision.

 

I look forward to working with you so that we can start making your home-ownership dreams come true.

 

Please see my reviews on Zillow and LendingTree and find out what others have said about me.

 

Bret Engel’s Loan Specialties Include:

 

  •         VA Loans (Purchase, Refinance/Cash-Out Refinance)
  •         Conventional
  •         FHA
  •         Jumbo 

 

 

Proactive Steps for First-Time Homebuyers
Proactive Steps for First-Time Homebuyers
Jul 10 2019   New Home First Home Mortgage Monthly Payment Home Price
A house could be the biggest purchase you will ever make, and the process of shopping for a home and obtaining a mortgage can be overwhelming. However, there are steps you can take to make the process more manageable and the purchase more... Read More
June is National Homeownership Month
June is National Homeownership Month
Jun 19 2019   Homeownership New Home Mortgage June
June is National Homeownership Month. Americans often think of their homes as more than just a place to "hang their hats." Homeownership has long been considered part of the greater "American Dream" that includes "Life, liberty and the pursuit of... Read More
Here's Why Your Home Equity is Your Most Valuable Asset
Here's Why Your Home Equity is Your Most Valuable Asset
Jun 5 2019   Home Equity Equity New Home Mortgage Home loan
A simple way to understand the definition of home equity is to think of it as the portion of your home that you truly own, in other words, the value of your home not included in your current home loan. Home equity is what makes homeownership such a... Read More
How Quickly Can You Save Your Down Payment?
How Quickly Can You Save Your Down Payment?
May 22 2019   New Home First Home Mortgage Mortgage Loan down payment
Saving for a down payment is often the biggest hurdle for a first-time homebuyer. Depending on where you live, median income, median rents, and home prices all vary. So, we set out to find out how long it would take to save for a down payment in... Read More

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