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Your trusted Kansas City mortgage broker

Your hometown mortgage experts!

Most people find that mortgage financing is complicated and confusing. Our mortgage brokers in Kansas, City, MO help you buy your dream home by simplifying the process with personalized home loan options that save you time and money.

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Adriana Bates Mortgage

Adriana Bates

Owner  //  NMLS #440092

Adriana Bates works with her clients during the loan process as a confidant, educator, and adviser. Adriana not only identifies their financial situation but also strives to understand her client’s priorities during this process. She believes in the value of making educated decisions and wants to provide her clients with enough knowledge so they are empowered to do so. Adriana also serves to advise them throughout the process on what to expect from Clear Mortgage LLC LLC, and what their role entails, in order to make the process as smooth as possible. Adriana is involved in the initial education/consultation, discussing her client’s options, talking with them during the process, and then ensuring everyone gets to the closing table.

adriana@clearkc.com(913) 205-3654Apply Now
Adriana Bates Mortgage

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Why work with us?

We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.

Top Mortgage Rates

Video of the week

We believe in lending without surprises. Our mortgage process fosters full transparency, less documentation, & most importantly – clear communication.

How the process works

CLICK HERE to apply now through our secure online application portal.
We will review the information you told us through the application and will qualify you based off that information.
We’ll request several documents to verify the information in your application is accurate.
CLICK HERE to learn more and watch our video about the documentation stage.
CLICK HERE to learn more and watch our video about the appraisal stage.
CLICK HERE to learn more and watch our video about the underwriting stage.
CLICK HERE to learn more and watch our video about the conditional approval stage.
CLICK HERE to learn more and watch our video about the approval stage.
CLICK HERE to learn more and watch our video about the closing stage.

Does renting or buying a home make more sense? Check out what is best for you by using our Rent vs Buy Calculator…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

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$500$10,000
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$50,000$2 Million
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Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented. But you will own in equity of your home with an appreciated value of . If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented. You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting

Home equity after
RENT: $0
BUY: $0
years
Total cost over years
TOTAL COST
YEARS

Costs over

Monthly Cost (after )
Rent
Buy
Difference
$0
$0
$0
Yearly Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Total Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs

These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs

Calculating the Cost of RentingThe cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
  • Monthly rent payments
  • Security deposit (typically equal to one month's rent)
  • Renters insurance (annual premium)
Calculating the Cost of BuyingThe cost of buying a home is more complex and includes both one-time and ongoing expenses:One-time Costs:
  • Down payment
  • Closing costs (typically 2-5% of the home's value)
Ongoing Costs:
  • Monthly mortgage payments (principal and interest)
  • Property taxes
  • Homeowners insurance
  • Private Mortgage Insurance (PMI) if applicable
  • HOA fees (if applicable)
  • Maintenance and repairs
  • Home improvements and renovations
AssumptionsOur calculator makes several assumptions to provide a comprehensive comparison:
  • Annual home appreciation rate: %
  • Annual rent increase: %
  • Renters insurance: $ per year
  • Home maintenance and repairs: % of home value per year
  • Home improvements and renovations: % of home value per year
  • Selling costs when you sell the home: % of home value
These values can be adjusted in the advanced settings to better reflect your specific situation.The calculator takes all these factors into account over the specified time period to determine whether renting or buying is more cost-effective in your situation. Keep in mind that this is a simplified model and your actual costs may vary based on your specific circumstances and local market conditions.

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Rent vs Buy Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

Rate Buydown Calculator

Check out how much you can save with a seller-paid rate buydown.

Mortgage Payment Calculator

See what your monthly payment could be with our general repayment mortgage calculator.

Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

DSCR Investor Calculator

See what your investor ratio is with our DSCR calculator.

Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

203k Renovation Calculator

Analyze your debt service coverage ratio to evaluate the profitability of an investment property.

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