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 

 

 

Severe Weather and Your Mortgage: What to Expect and How to Prepare
Severe Weather and Your Mortgage: What to Expect and How to Prepare
Mar 13 2019   Severe weather FEMA disaster relief mortgage home safety
Across the U.S., severe weather is disrupting daily life. From hurricanes to heavy snow, torrential rains and flooding, cold snaps and other extremes seem to be affecting every corner of our country. Even if severe weather hasn't affected you... Read More
Is Student Loan Debt A Threat to Homeownership?
Is Student Loan Debt A Threat to Homeownership?
Feb 20 2019   New Home First Home Mortgage Debt Student Debt
Over the course of the last thirty years, a shift has happened. An entire generation has been raised with the knowledge that a college education is their key to unlocking opportunities that were not available to their parents’ or... Read More
Can Rate Changes Affect Your Current Mortgage?
Can Rate Changes Affect Your Current Mortgage?
Feb 6 2019   Mortgage rates Interest Rates Federal Reserve Refinancing ARMs
Mortgage rates are changing all the time, and despite being lower than they were 20 years ago, the current trend shows that rates are going up. If you're already a homeowner, you may pay little attention to mortgage rate news - especially if you... Read More
Is Paying Off Your Mortgage Early Worth It?
Is Paying Off Your Mortgage Early Worth It?
Jan 23 2019   Mortgage payment Mortgage Debt Saving money
Paying off debt as soon as possible is always is a good thing --but does that rule also apply to mortgage debt? Is making an extra payment each month to pay off the mortgage early worth it? In this week's post, we'll explore the pros and cons of... Read More

Pre-qualify for a loan in a few simple steps

Get Started

Fill out your Secure Application

Apply Now

See what KS StateBank clients are saying:

Zillow Reviews