UMB Mortgage Lender
Ann Wilkinson
Mortgage Loan Originator
Cell: 913-219-0264
Office: 816-860-7156
Email: Ann.Wilkinson@umb.com
NMLS #:449590
About Ann
Whether you’re looking to buy a new home or refinance your current home, I work one-on-one with you to help make the mortgage loan process go as smoothly as possible for you. I provide responsive communication and comprehensive research, so you have the information you need to choose the best financing fit for you.
Along with my focus on personal support, I have a depth of experience and industry knowledge. I’ve worked with mortgage loans at local banks since 2009. From 1997 to 2009, I owned and operated Millcreek Home Loans, Inc., in Shawnee, Kansas. I was responsible for all aspects of business planning and operations, human resources, marketing, product development, and budgeting—plus underwriting and mortgage origination. My company was known for integrity, honesty, and our ability to follow through—just as clients still know my work today.
I’ve received the Five Star Mortgage Professional Award for the past eleven years and continue to strive to offer the very best in customer service.
As a long-time resident of Johnson County, I’m very active in our community. I’m a member of The Kansas City Ski Club, the Kansas City Prospectors Business Club, the Shawnee Chamber of Commerce, American Business Women’s Association (ABWA) and the Shawnee Rotary. I currently live in Shawnee with my husband.
Mortgage Calculators
Use our mortgage calculators to help determine how much house you can afford, if refinancing your current mortgage is a good option and more.
Apply with Ann Today!
Questions about Mortgages? UMB has answers.
How much mortgage you can afford may be different from how much mortgage is right for you. It’s important to look at your total financial picture:
Estimate your monthly loan payment with the UMB mortgage loan calculator
There are several variables that impact a monthly payment: loan amount, mortgage interest rate and term of the mortgage (how many years it will take to pay off the mortgage).
Mortgage payments also typically include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI).
Take a realistic look at your income, lifestyle and priorities
To estimate how much total home loan you can afford, a general guideline is to double your gross annual income. But that’s a broad generalization. You might have other financial priorities, like travelling or paying off debt.
Maybe your priority is owning a larger home or living in a specific location. In this case, taking out a bigger home loan, still within your budget, may be valuable to you.
Speak to a mortgage loan officer
We’re here to support your homeownership goals and answer any questions. Feel free to reach out to the UMB mortgage team.
Mortgage insurance protects a lender in case a homeowner defaults on their home loan. Private mortgage insurance (PMI) covers the lender. But you have pay for it when you put down less than 20% for a conventional mortgage.
If you make at least a 20% cash down payment, you don’t have to pay PMI.
Refinancing your home mortgage could get you a lower interest rate. Or it might allow you to switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage or to change the term of your loan.
If you’ve owned your home for a while, “cash-out” refinance of your mortgage may help you pay for home improvements or pay down debt with higher interest rates.
Refinancing replaces your original loan with a new loan
You pay the new refinanced loan according to the rate and terms of the new agreement. This may make sense for you, depending on how many months the ongoing payment savings will take to cover your upfront closing costs.
Analyze different refinance rates and scenarios using UMB’s Mortgage Refinance Calculator.
Feel confident in your refinancing decision
Refinancing entails much of the same fees and paperwork as an original home loan. As with the original mortgage interest rate, getting the best refinance rate today depends on a few factors, including your credit history.
To feel confident in your decision, it’s important to understand the basics of mortgage refinancing.
Today’s mortgage interest rates continue to make homeownership possible for many people.
UMB offers various competitive rate options. But knowing the exact rate depends on a borrower’s credit history and the term (length in years) of the home mortgage loan. To give you an idea of current mortgage rates, use the UMB Loan Comparison Calculator.
The rates included in this calculator are updated regularly to reflect the average mortgage interest rates today.
UMB supports your homeownership goals
For more information on mortgages and homeownership, check out these helpful links:
- Read more about homeownership on the UMB blog.
- Discover the range of UMB mortgage solutions, including specialty programs like first-time home buyer grants and down-payment assistance.
- Contact the UMB mortgage team.
You can easily estimate your mortgage payment with the UMB online Mortgage Payment Calculator.
Before you use the home loan calculator, have these things ready to input:
- Proposed loan amount (After your cash down payment, how much do you need to borrow?)
- Number of months/years you’d like to pay off your mortgage (For most home buyers, 360 months/30 years is typical.)
- Purchase price of property
- Estimated annual property taxes
- Estimated annual hazard insurance
- Monthly private mortgage insurance, or PMI (Include PMI if you’re making less than a 20% cash down payment.)