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A Home is a Life Investment

We aim to please. That's why we have so many convenient options.

Everything you need for your new mortgage or refinance.

  • Mortgage Options

    With over 10 different loan types, we have a loan solution for you.

  • Application Checklist

    In order to complete your loan we will need some additional information listed below, under Application. Please provide it to us at your earliest convenience.

  • Closing Costs

    Due to a fluctuating market we prefer to provide our rates directly to you, maximizing your potential to get the best rates available. Click here to submit a request for an estimate on your closing costs.

  • Frequently Asked Questions

    Scroll down to view our frequently asked questions about mortgages.

  • A Variety of Loan Options

    We offer the following loan types for purchases and refinances:

    • Variety of loan terms, including long-term fixed rate conventional loans
    • FHA-insured loans with as little as 3.50% down payment
    • VA-guaranteed loans to eligible veterans with no down payments
    • Loans up to 97% tailored to first-time homebuyers as well as low- to moderate-income individuals
    • MI Free Loan Program - new product that enables loans up to 95% LTV with no borrower-paid mortgage insurance
    • Home Possible Advantage - this product has been recently enhanced to make home ownership possible to a wider variety of people..
    • Home Equity Lines of Credit (HELOCs)
    • Home Improvement Loans
    • Second Home Loans
    • Investment Property Loans
    • Cash-out Equity Refinances for various purposes including Debt Consolidation
    • Streamline refinance FHA-insured Loans
    • Interest Rate Reduction Refinancing VA-guaranteed Loans
  • Loans available in Kansas, Nebraska, Missouri, Iowa, Colorado!

    Just because we don't have a lender in your town, doesn't mean we can't do the loan, so contact the lender nearest to you!

  • Brenda Klubek

    Joined Central National Bank in 2005.

    Serving Burlington, KS

    • NMLS # 472732
    • Direct (620) 364-4404
    • 201 S. 4th Street
    • PO Box 185
    • Burlington, KS 66839
    • Phone (620) 364-8875
    • Fax (620) 364-2005
    • Email: BrendaK@centralnational.com
  • Nick Cunningham

    Joined Central National Bank in 2005.

    Serving Gardner, KS

    • NMLS # 476271
    • Direct (913) 856-3208
    • 205 N. Moonlight
    • Gardner, KS 66030
    • Phone (913) 856-3201
    • Fax (913) 856-3220
    • Email: NickC@centralnational.com
  • Steven Swigart

    Joined Central National Bank in 2014.

    Serving Great Bend, KS

    • NMLS # 934590
    • Direct (620) 603-6447 Ext. 1703
    • 1916 N. Main Street
    • Great Bend, KS 67530
    • Phone (620) 603-6447
    • Fax (620) 603-6462
    • Email: SteveSw@centralnational.com
  • Jan Lindsay

    Joined Central National Bank in 2004.

    Serving Harvey, Marion and Sedgwick Counties

    • NMLS # 472253
    • Direct (888) 262-5456 Ext. 6580
    • 711 E. Lincoln
    • Hesston, KS 67062
    • Phone (620) 327-6580
    • Fax (620) 327-3008
    • Email: JanL@centralnational.com
  • Steve Barker

    Joined Central National Bank in 1984.

    Serving Junction City, KS

    • NMLS # 469797
    • Direct (785) 761-2922
    • 802 N. Washington
    • P.O. Box 700
    • Junction City, KS 66441
    • Phone (785) 238-4114
    • Fax (785) 238-6299
    • Email: SteveB@centralnational.com
  • Shaney Kolde

    Joined Central National Bank in 2016.

    Serving Manhattan, KS

    • NMLS # 715381
    • Direct (785) 323-4034
    • 1426 Browning Place, Suite 101
    • Manhattan, KS 66502
    • Phone (785) 539-5256
    • Fax (785) 320-7373
    • Email: ShaneyK@centralnational.com
  • Colby Monnington

    Joined Central National Bank in 2016.

    Serving Manhattan, KS

    • NMLS # 1473266
    • Direct (785) 323-4038
    • 1426 Browning Place, Suite 101
    • Manhattan, KS 66502
    • Phone (785) 539-5256
    • Fax (785) 320-7373
    • Email: ColbyMo@centralnational.com
  • Adam Litzinger

    Joined Central National Bank in 1999.

    Serving Manhattan, KS

    • NMLS # 472556
    • Direct (785) 323-4035
    • 1403 College Avenue
    • Manhattan, KS 66502
    • Phone (785) 539-5256
    • Fax (785) 323-4031
    • Email: AdamL@centralnational.com
  • Brenda Elsasser

    Joined Central National Bank in 1997.

    Serving Nebraska, Iowa & Colorado

    • NMLS # 478729
    • Direct (402) 333-9797
    • 11414 W. Center Road, Suite 220
    • Omaha, NE 68144
    • Phone (402) 333-9797
    • Fax (402) 333-5045
    • Email: BrendaE@centralnational.com
  • Mindy Curington

    Joined Central National Bank in 2016.

    Serving Nebraska, Iowa & Colorado

    • NMLS # 1264305
    • Direct (402) 333-9797
    • 11414 W. Center Road, Suite 220
    • Omaha, NE 68144
    • Phone (402) 333-9797
    • Fax (402) 333-5045
    • Email: MindyC@centralnational.com
  • Vicki Steffens

    Joined Central National Bank in 2000.

    Serving Salina, KS

    • NMLS # 472652
    • Direct (785) 822-3125
    • 454 S. Ohio
    • P.O. Box 1997
    • Salina, KS 67401
    • Phone (785) 823-5700
    • Fax (785) 823-1691
    • Email: VickiS@centralnational.com
  • Dave W. Johnson

    Joined Central National Bank in 1994.

    Serving Topeka, KS

    • NMLS # 473822
    • Direct (785) 231-1416
    • 800 SE Quincy
    • Topeka, KS 66612
    • Phone (785) 234-2265
    • Fax (785) 234-9660
    • Email: DaveJ@centralnational.com
  • It's simple to apply online for a free mortgage pre-qualification!

    Alternatively, you can also download and print an application.

  • Application Checklist

    Please provide at your earliest convenience:

    • Paycheck stubs for most recent 30-day period
    • All W-2's received for the past two tax years
    • Federal Income Tax returns for the past two tax years, including all pages and schedules (include business returns, if applicable)
    • For any liquid assets (checking, savings, CD's, money markets, mutual funds, retirement, stocks, bonds, etc.), account statements for most recent two month period
    • If purchasing, signed purchase contract, including any amendments, addendums, etc
    • Copy of previous appraisal report (if available)
    • Cost estimates for proposed home improvements (Home Improvement Loans Only)

Frequently Asked Questions

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Secure Page Sign-In

Ensuring the security of your personal information is important to us. When you sign in to Online Banking on our home page, your User Name and Password are secure. The moment you click the Log In button, we encrypt your user name and password using Secure Sockets Layer (SSL) technology.

Browser Security Indicators

You may notice when you are on our home page that some familiar indicators do not appear in your browser to confirm the entire page is secure. Those indicators include the small "lock" icon in the bottom right corner of the browser frame and the "s" in the Web address bar (for example, "https").

To provide the fast access to our home page, we have made signing in to Online Banking secure without making the entire page secure. You can be assured that your ID and password are secure and that only Central National Bank has access to them.

Centralnational.com is SSL-Encypted

Secure Socket Layer (SSL) technology secretly encodes (encrypts data) information that is being sent over the Internet between your computer and Central National Bank, helping to ensure that the information remains confidential.