I'm Trish.
Your Local
Mortgage Professional

I've been helping families achieve their dream of homeownership since 2010, with countless happy clients along the way. As your mortgage lender, I'm committed to providing warm, proactive communication, setting realistic expectations, and securing competitive interest rates. I'm honored to have received the Five-Star Professional Award for mortgage lenders for ten consecutive years.

After graduating from Kansas State University with my degree in Journalism and Marketing, I fell in love with Overland Park and have called it home ever since. I'm passionate about giving back to our community through my involvement with the Overland Park Rotary Club, Chamber of Commerce, the City's Comprehensive Plan committee, Community Development Block Grant committee, Safehome, Girls on the Run, and various local charities. I was humbled to be named a 2013 Influential Woman by KC Business Magazine and am a proud graduate of Leadership Overland Park.

When I'm not guiding clients through the mortgage process, I enjoy life with my spouse, two children, and our pair of energetic labradors and two mini dachshunds. I'm also an avid runner who has completed multiple marathons, half marathons, and triathlons—including the challenging Ironman Wisconsin.

Trish Reedy

CEO/Broker

NMLS# 304737

Contact Me
Trish Reedy picture
8350 N St Clair Ave Ste. 225
Kansas City, MO 64151
Trish@PlantedLocalLending.com
(816) 441-4282

Getting Started is Easy

1

Mortgage Calculators

Calculate your mortgage payment, affordability & more

2

Loan Programs

Find out which loan program is right for you

3

Apply Now

Get pre-approved in minutes with our quick & easy app

Learn More About Mortgage News

Get insight on trending news and mortgage happenings with our weekly blog

Get Answers to All your Mortgage Questions

I'm committed to providing you all the support and guidance you need.

A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

Contact Me
Anytime.

Trish Reedy

CEO/Broker

NMLS# 304737

Trish Reedy picture
Trish Reedy picture
Trish Reedy picture

Trish Reedy

CEO/Broker

Planted Local Lending | NMLS: 304737

Getting started is Quick & Easy

If you have any questions, I’m here for you

purchase

refinance