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Mortgage Loan Officer

Kevin Brunk

Mortgage Loan Officer

NMLS# 738546

Reviews on Zillow

Connect with Kevin

  • kevin.brunk@usbank.com
  • 660-627-2877
  • 636-295-8021

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

  • As a mortgage loan officer right here in Kirksville, I work with you to help find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs?I have the resources to answer questions like that and I've worked with lots of people in and around Kirksville with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 660-627-2877.

Service areas include

  • Kirksville, MO
  • Memphis, MO
  • Lancaster, MO
  • Unionville, MO

Primary location

2202 N Baltimore
Kirksville, MO 63501

Connect with Kevin

  • Email kevin.brunk@usbank.com

  • 660-627-2877

  • 636-295-8021

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Mortgage rates

Compare rates for a variety of mortgage types.

See mortgage rates

Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

Mortgage calculator

Estimate your total monthly mortgage payment.

Run the numbers

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Mortgage FAQ

Get answers to common home-buying questions.

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Today's mortgage rates in Missouri.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .

See rates for other states.

Compare current mortgage rates.

Conventional fixed-rate mortgages

Term Rate APR Monthly Payment Points
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Conforming adjustable-rate mortgages

Term Rate APR Monthly Payment Points
10/6 mo
7/6 mo

Jumbo adjustable-rate mortgages

Term Rate APR Monthly Payment Points
10/1 yr
7/1 yr
5/1 yr

FHA mortgages

Term Rate APR Monthly Payment Points
30-year fixed - FHA

VA mortgages

Term Rate APR Monthly Payment Points
30-year fixed - VA

Jumbo mortgages

Term Rate APR Monthly Payment Points
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Kevin Brunk

Mortgage Loan Officer

NMLS# 738546

660-627-2877

  • kevin.brunk@usbank.com

  • 660-627-2877

  • 636-295-8021

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Today's refinance rates in Missouri.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

Term Rate APR Monthly Payment Points
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Conforming adjustable-rate refinance loans

Term Rate APR Monthly Payment Points
10/6 mo
7/6 mo

Jumbo adjustable-rate refinance loans

Term Rate APR Monthly Payment Points
10/1 Jumbo
7/1 Jumbo
5/1 Jumbo

FHA refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - FHA

VA refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - VA

Jumbo refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Kevin Brunk

Mortgage Loan Officer

NMLS# 738546

660-627-2877

  • kevin.brunk@usbank.com

  • 660-627-2877

  • 636-295-8021

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Kevin Brunk

Mortgage Loan Officer

NMLS# 738546

660-627-2877

  • kevin.brunk@usbank.com

  • 660-627-2877

  • 636-295-8021

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Kevin Brunk

Mortgage Loan Officer

NMLS# 738546

660-627-2877

  • kevin.brunk@usbank.com

  • 660-627-2877

  • 636-295-8021

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQ

Get answers to your questions regarding home financing, refinancing and more.

First-time home buyers

Depending on your home-ownership goals, there are several options for first-time home buyer loans. Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to no-down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.

To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:

  • Credit Score
  • Down payment amount
  • Household income limitations

Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans.

If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.

USDA loans

United States Department of Agriculture (USDA) loans are mortgages guaranteed by the U. S. Department of Agriculture. A USDA loan can be a good option for buyers who meet certain income requirements in eligible rural areas. These zero down payment loans offer low interest rates, and they often have more flexible credit requirements than conventional mortgages. Contact your mortgage loan officer to see if you qualify for a USDA loan.

If you’re considering a United States Department of Agriculture (USDA) loan, you should be prepared to meet the established guidelines for credit score, income and debt-to-income ratio. Contact your mortgage loan officer to see if you qualify for a USDA loan.

United States Department of Agriculture (USDA) loans are available to qualified buyers who meet certain income requirements in eligible rural areas. To be eligible for a USDA loan, the home must meet certain requirements and it must be your primary residence in a rural community. Rental properties and vacation homes do not qualify. To learn more about how USDA loans work, connect with your mortgage loan officer.

VA loans

A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.

Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.

Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.

There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:

  • Purchase a home with a VA loan and then sell it to buy another home with a new VA loan.
  • Refinance an existing VA loan into another.
  • Have two VA loans for two different homes at the same time.

For more information on VA loans, speak with your mortgage loan officer.

Refinance

Yes. If you have enough equity in your home, you can consolidate a home equity loan, line of credit or other debt (like a credit card or car loan) into a Cash-out Refinance for a first-lien mortgage loan. With this option, the existing home mortgage and any liens on the property are paid off and replaced with a new mortgage. When you close on the loan, part of the loan will pay off your first mortgage and the cash-out part will pay off your home equity loan, line of credit or other debt.

Just as with your first mortgage, you must meet certain requirements to qualify for a mortgage refinance. The process includes applying for the loan, going through the underwriting process and closing on the home. A mortgage refinance may allow you to reduce your term, lower your monthly payments or reduce your interest rate. To learn more about how to refinance a mortgage, connect with your mortgage loan officer.

To qualify for a Veterans Affairs (VA) refinance loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA loan may allow you to refinance a home with little or no equity to get cash out or to lower your monthly payment. If you don’t meet the qualifications for a VA refinance loan, Federal Housing Administration (FHA) refinance loans offer similar advantages, including lower borrower equity requirements.

Investment property buyers

If you’ve decided to buy an investment property, there are a variety of qualifying factors, including but not limited to, credit score, down payment and cash reserves. Contact your mortgage loan officer to learn more and see if you qualify.

Interest rates on investment properties are typically higher than a traditional mortgage interest rate. U.S. Bank offers a variety of investment property loans. To learn more about real estate investment loans and current investment property loan mortgage rates, contact your mortgage loan officer.

When considering the purchase of an investment property, you may want to consider which characteristics are most important to you, such as property type, location, size and amenities. Contact your mortgage loan officer to learn more about real estate investment loans and see if you qualify.

Kevin Brunk

Mortgage Loan Officer

NMLS# 738546

660-627-2877

  • kevin.brunk@usbank.com

  • 660-627-2877

  • 636-295-8021

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all   states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home   equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through   U.S. Bank National Association. Member FDIC. Equal-Housing-Lender"   Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only.  The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The  information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All  financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the  control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the  accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25% for  a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a jumbo loan, at least 3.5% for an FHA loan  and 0% for a VA loan.

Conforming fixed-rate estimated monthly payment and APR example: A  $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down-payment, or borrower equity of 25%  and no discount points purchased would result in an estimated monthly principal and interest payment of $2,933 over  the full term of the loan with an annual percentage rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or borrower equity of 25% and  borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than  20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan  amount with a 30-year term at an interest rate of 6.875% with a down payment, or borrower equity of 25% and no discount  points purchased would result in an initial estimated monthly principal and interest payment of $3,048 with an annual percentage rate (APR)  of 7.488%.

Estimated monthly payment and APR calculation are based a fixed-rate period of five years that could change  in interest rate every six months for the next 25 years of the loan term, a down-payment, or borrower equity of  25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After  the five-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary  with a predetermined index known as the Secured Overnight Financing Rate (SOFR). If the down payment, or borrower equity is less  than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to  change during the loan term. That change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a  30-year term at an interest rate of 6.250% with a down payment, or borrower equity of 3.5% and no discount points  purchased would result in an estimated monthly principal and interest payment of $1,663 over the full term of the loan  with an annual percentage rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 3.5%  and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that  the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown  here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the  actual payment obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a  30-year term at an interest rate of 6.250% with no down payment, or borrower equity and no discount points purchased  would result in an estimated monthly principle and interest payment of $1,663 over the full term of the loan with an annual percentage rate (APR) of 6.663%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 0% and  borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated  monthly payment and APR assumes that the VA funding fee of $6,072 is financed into the loan amount. Estimated monthly  payment does not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year  term at an interest rate of 5.625% with a down payment, or borrower equity of 25% and no discount points purchased  would result in an estimated monthly principle and interest payment of $5,411 over the full term of the loan with an annual percentage rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 25% and  borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than  20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums and the actual payment   obligation will be greater.

The rates shown above are the current rates for a single-family  primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not  a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan  size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank  and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by  starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive  written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is  not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to  subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming fixed-rate loans:  The annual percentage rate (APR) calculation assumes a  $464,000 fixed-term loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the  loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage  insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $726,200 ($1,089,300 in AK and HI).

Conforming ARM loans: Adjustable-rate loans and rates are subject  to change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a  $464,000 loan  with a 25% down payment, or borrower equity, and borrower-paid finance charges of 0.862% of the loan amount, plus  origination fees if applicable. If the down payment or borrower equity, is less than 20%, mortgage insurance may be  required, which could increase the monthly payment and the APR. Conforming rates are for loan  amounts not exceeding $726,200 ($1,089,300 in AK and HI).

Non-conforming ARM loans: Adjustable-rate loans and rates  are subject to  change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a  $940,000 loan with a down payment, or borrower equity, of 25% and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage  insurance may be required, which could increase the monthly payment and the APR. Non-conforming rates are for loan  amounts exceeding $726,200 ($1,089,300 in AK and HI).

Jumbo loans: The annual percentage rate (APR) calculation assumes a  $940,000 fixed-term loan with a 25% down payment or borrower equity and borrower-paid finance charges of 0.862% of the loan  amount, plus origination fees if applicable. If the down payment, or borrower equity, is less than 20%, mortgage insurance  may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding  $726,200 ($1,089,300 in Alaska and Hawaii).

FHA loans: The annual percentage rate (APR) calculation assumes a $270,019 fixed-term loan ($265,375 base amount plus $4,644 upfront mortgage insurance premium) with a 3.5% down  payment, or borrower equity, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of  0.862% of the base loan amount, plus origination fees if applicable.

VA loans: The annual percentage rate (APR) calculation assumes a  $270,072 fixed-term loan ($264,000 base amount plus $6,072 VA funding fee) with no down payment, or borrower  equity and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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