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 

 

 

6 Tips for Saving for Your Down Payment
6 Tips for Saving for Your Down Payment
Jul 9 2018   Down Payment Saving Home Budget
Before you can make the transition from renting your home to owning your home, you will probably need to have a substantial down payment, typically 5 to 20 percent of the home’s value. The American Bankers Association suggests the following... Read More
Does This Sound Like You? 4 Scenarios for Choosing an ARM Loan
Does This Sound Like You? 4 Scenarios for Choosing an ARM Loan
Jun 20 2018   ARM loan starter home refinance jumbo loan
Here's something that might surprise you --an adjustable-rate mortgage (ARM) isn't a bad loan! True, some years ago, this type of home loan was linked to the bubble burst in the housing market, but it wasn't the loan. The problem was that banks... Read More
How to Win a Home buying Bidding War Without Going Over Your Budget
How to Win a Home buying Bidding War Without Going Over Your Budget
Jun 6 2018   bidding war competitive home market buying a home
Summer is almost here!  The weather isn’t the only thing that is heating up -- so is the competition for buying a home! Warmer months are a favorite time for home buying so don’t be surprised if you find yourself in a bidding war... Read More
6 Items for Your New Home's To-Do List
6 Items for Your New Home's To-Do List
May 16 2018   New Home Home loan mortgage moving
Page Content Now that you’re settling in to your new home, there are some important things you need to consider. The American Bankers Association recommends the following tips. 1. Create a budget. The key to a good budget is including as... Read More

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