> ![](media/image1.jpeg){width="2.654166666666667in" height="0.9375in"}
>
> **Committed to the Future of Rural Communities**

**[Attention Homebuyers:]{.smallcaps}**

**[No Downpayment? No Problem!!]{.smallcaps}**

***Guaranteed Rural Housing (GRH) Loans***

![](media/image2.png){width="2.723611111111111in"
height="1.7986111111111112in"} **Compare the Benefits:**

-   ![](media/image3.png)**102% Financing**

-   **No Downpayment**

-   **No Mortgage Insurance**

-   ![](media/image4.png)**Low 30-Year Fixed Rate**

-   **Funding Fee less than VA**

-   ![](media/image5.jpeg){width="1.9708333333333334in"
    height="1.4388888888888889in"}**GRH may finance some\
    closing costs - VA cannot**

-   **Approval Not Based Entirely on Credit Score**

-   ![](media/image6.jpeg){width="2.2708333333333335in"
    height="1.5680555555555555in"}**Generous Purchase Price Limit**

-   **No Asset Requirements**

-   **Doesn't affect VA eligibility**

-   **Special options for new construction**

**GRH: SAME Benefits as VA - LOWER Cost - LESS \$\$\$ at Closing**

**For further information, please contact:**

**USDA Rural Development**

**Manhattan Area Office**

**3705 Miller Parkway, Suite A**

![](media/image7.wmf){width="0.7916666666666666in"
height="0.7916666666666666in"}**Manhattan, KS 66503-7604**

**Phone: 785-776-7582 Fax: 785-539-2733**

**Email: <richard.boyles@ks.usda.gov>**

**Website: <http://www.rurdev.usda.gov/ks/>**

**Guaranteed Rural Housing (GRH) Lenders**

***[Ask for the [Guaranteed Rural Housing (GRH) LOAN]{.smallcaps} by
Name to Get the RIGHT Loan]{.underline}***

**The following Approved lenders have made a special commitment to the
GRH loan These lenders offer free pre-qualification, competitive rates,
reasonable charges, and quality customer service**

**Astra Bank**

**446 N. Marshall**

**Chapman, KS 67431 Phone 785-922-6515**

**Contacts: Sarah Will**

**Tim Smith**

**Email: <sarah.will@bankwithastra.com>**

[**tim.smith@bankwithastra.com**](mailto:tim.smith@bankwithastra.com)

**The Mortgage Company**

**207 NW 15^th^ St., Abilene, KS 67410**

**Contact: Sandy Clemence, 785-263-1944**

**E-Mail: <sandy@tmckansas.com>**

**Web: <http://www.tmckansas.com/>**

**Sunflower Bank, N.A.**

**510 N. Jefferson, Junction City, KS 66441**

**Contact: Marilyn Smith, 785-238-3177**

**E-Mail: <marilyns@sunflowerbank.com>**

**Web: [http://www.sunflowerbank.com](http://www.sunflowerbank.com/)**

**Clay County National Bank / GNB Mortgage Co.**

**624 W. Crawford, Clay Center, Kansas 67432**

**Contact: Richard Baxter, 785-632-6720\
E-Mail: <richardb@gn-bank.com>**

**Web: <http://www.gnbmortgage.com/index.html>**

**Kaw Valley State Bank & Trust Co.**

**1015 Kaw Valley Park Circle, Wamego, KS 66547**

**Contacts: Susan Burgess**

**Toll Free: 877-456-2025, or 785-456-2025**

**E-Mail: <kvsbmtg2@kvsbwam.com>**

**Web: [http://www.kvsbmtg.com](http://www.kvsbmtg.com/)**

**First National Bank**

**806 W. 6th, Wamego, KS 66547**

**Contact: Dixie Blanka, 785-486-2221**

**E-Mail: <dixieb@fnbofwamego.com>**

**Central National Bank**

**802 N. Washington, Junction City, KS 66441**

**Contacts: Steve Barker, 785-761-2922**

**Adam Litzinger, 785-761-2977**

**Toll Free: 888-262-5456 Ext. 2922 or 2977**

**E-Mail: <steveb@centralnational.com>**

[**adaml@centralnational.com**](mailto:adaml@centralnational.com)

[**http://www.centralnational.com/mortgages.htm**](http://www.centralnational.com/mortgages.htm)

**First National Bank & Trust Co. of Junction City**

**702 N. Washington, Junction, City KS 66441**

**Contact: Lynn Devine, 785-762-4121**

**E-Mail:**
[**ldevine@firstnational.cc**](mailto:ldevine@firstnational.cc)

**Web: [http://www.firstnational.cc](http://www.firstnational.cc/)**

**Security Savings Bank**

**317 S. Santa Fe, Salina, KS 67401**

**Contact: Troy Olson, 785-309-5560**

**E-Mail: <tolson@securitysb.com>**

**Web: <https://www.securitysb.com/home/home>**

**Citizens Bank of Kansas, N.A.**

**Contact: Monty Applebee**

**Toll Free 877-651-8600, Cell 785-445-5164**

**E-Mail: <monty@cboks.com>**

**Web: <http://www.cboks.com/index.html>**

** **