NBKC Bank offers the following loan programs:

1. Conventional Loans: These are traditional mortgages that meet Fannie Mae and Freddie Mac guidelines. They typically require a 3% to 20% down payment, depending on borrower qualifications.

2. FHA Loans: Backed by the Federal Housing Administration, these loans are designed for first-time homebuyers with lower credit scores and down payment requirements as low as 3.5%.

3. VA Loans: Exclusively available to eligible veterans, active-duty service members, and surviving spouses, VA loans offer favorable terms, including no down payment requirement and competitive interest rates.

4. USDA Loans: Aimed at rural and suburban homebuyers with low-to-moderate income, USDA loans provide 100% financing and favorable interest rates to help purchase homes in eligible areas.

5. Jumbo Loans: These loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They are suitable for borrowers seeking higher loan amounts to finance luxury or high-cost properties.

6. Refinance Loans: NBKC Bank offers refinancing options for borrowers looking to lower their interest rates, shorten their loan terms, or tap into their home equity for various financial needs.

7. Construction Loans: Designed for individuals building a new home or undertaking substantial renovations, construction loans provide funds to cover construction costs until the property is completed.

Please note that loan eligibility may depend on factors such as creditworthiness, income, and property type. It is recommended to contact NBKC Bank directly for more information and specific loan details.