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 

 

 

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
Questions to Ask Before Moving To Shorten Your Commute
Questions to Ask Before Moving To Shorten Your Commute
May 8 2019   Commute New Job New Home Moving
Is it worth moving to shorten your work commute? It certainly sounds reasonable but let's break it down and see if it makes sense for your situation. But first, is commuting all that bad? Unfortunately, yes! Some say that long work commutes add... Read More
Beyond Your Credit Score: How the Property Affects How Much You Can Afford
Beyond Your Credit Score: How the Property Affects How Much You Can Afford
Apr 24 2019   New Home First Home Mortgage Monthly Payment Home Price
When talking about the affordability of a home, the focus is usually on how much you qualify for, your income, and your monthly bills. However, did you know that the property itself also affects how much you can afford? Homes that are priced the same... Read More
Home-Related Ideas for Using Your Tax Refund
Home-Related Ideas for Using Your Tax Refund
Apr 10 2019   Tax Day Taxes Mortgage Refund
Tax Day is just a few days away and like most Americans, you’re likely expecting a tax refund soon. While splurging on a dream trip or putting it in a savings account are both worthy of your refund, there are other things you could do that... Read More

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