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.


Bret Engel’s Loan Specialties Include:


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


•        Conventional


•        FHA


•        Jumbo

Mar 23 2018   t
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The Facts About Refinancing Into A New 30-Year Loan Term
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Is refinancing your 30-year mortgage a good idea?  That's the question we've been getting lately. It's no wonder! Current mortgage rates are excellent, making homeowners take a second look at their existing home loans.  If refinancing your... Read More
6 Smart Steps for First-Time Homebuyers
6 Smart Steps for First-Time Homebuyers
Feb 20 2018   First-Time Homebuyers
Ready to buy your first home? Congratulations! Buying your first home is an exciting step toward a more secure future. As experienced mortgage professionals, we’d like to offer you some smart tips to help you get off to a strong start with your... Read More
Getting Ready to Buy Your First Home
Getting Ready to Buy Your First Home
Feb 7 2018   first time home loan buying
  Congratulations! Making the decision to buy your first home is exciting --although, we understand that sometimes it can be confusing.  That’s why we make applying for a home loan fast and stress-free. And with some preparation,... Read More

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