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Roy Pointer
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Roy Pointer

Senior Loan Officer

100 E 6th Street, Suite 10, Kearney, MO 64060
Own what matters
Own what matters

About Me

Commitment to Excellence 

I believe a mortgage should be more than just a transaction. It’s about building a relationship with my clients, and helping my community achieve their home financing goals. My mission is to be the home financing partner that you trust to serve your financial needs, as well as your family and friends. I am dedicated to providing my clients with the necessary knowledge, information and options they need to make a wise financial decision regarding their new home loan. With over 20 years of experience, I have seen the ups and downs of the industry and I understand the concerns of my customers. I am proud to say that I consistently receive referrals and repeat business from former clients and I’d love to help YOU with your next purchase or refinance. 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.91 out of 5.0 stars
5.0
4.56
5.0
Jonathan
Nov 20, 2023
Verified

Easy to work with.
Ashley L
Nov 22, 2023
Verified

Roy Pointer and Hannah Akey do a great job to take care of their clients! I enjoy working with them to create smooth transactions for their clients as well.
Ashley
Nov 20, 2023
Verified

Roy Pointer and Hannah Akey are great at their jobs!! I enjoy working with them and helping clients achieve their goals of purchasing a new home. Each time has been a smooth process. I love it!!
Sydnee
Nov 10, 2022
Verified

Easy to get documents uploaded quick responses always willing to answer any questions and overall super seem less and painless experience for us as two first time homeowners.
Long
Oct 30, 2022
Verified

Felt like family with all the help we were given and also with how the team were so understanding of the small mishap that happened during the process
Corey
Oct 25, 2022
Verified

Roy Pointer and his team helped ease our minds with the stressful process of refinancing. All our questions were answered and it was an overall very pleasant experience. I would not hesitate to recommend Roy Pointer in the future to help in anyone's purchase or refinance endeavors.

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passionate about

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NMLS ID #246949
I am authorized to do business in the state of Missouri.