Ron Cardozo NMLS #34541 - First Bank - Senior Loan Officer

Home
United States
Leawood, KS
Ron Cardozo NMLS #34541 - First Bank - Senior Loan Officer

Call Directions Website

Senior Home Loan Adviser at a family owned company- First Bank Mortgage. I am here to earn your business.

10/29/2026

🧙♀️🏡 No hocus pocus—just mortgage guidance!

Finding the right home loan starts with preparation, clear answers, and exploring financing options that fit your budget and goals.

Whether you’re buying your first home or planning your next move, I’ll help you understand your buying power, compare loan options, and prepare for the steps ahead. Let’s take some of the mystery out of the mortgage process! ✨

**📲 Call or text 913-710-5626, or message me to start your home financing plan.**
🌐 www.RonCardozo.com

Ron Cardozo | Senior Home Loan Advisor
First Bank Mortgage
NMLS #34541 | First Bank NMLS #551928
Equal Housing Lender | Member FDIC

All loans subject to credit approval and borrower and property eligibility. Terms and conditions apply.

10/28/2026

🏡 Buying your first home in Missouri? MHDC’s First Place program could help.

In this video I explain how the Missouri Housing Development Commission’s First Place loan works. Here are the basics:

Two ways to use it:
💵 Cash assistance toward your down payment and closing costs. It’s set up as a second loan that’s forgiven over 10 years.
📉 A lower interest rate if you already have your down payment saved.

Who may qualify (2026, Kansas City area):
✅ First-time buyers (no home owned and lived in during the past 3 years)
✅ Credit score of 640 or higher
✅ Household income up to $113,400 for 1–2 people, or $130,410 for 3 or more
✅ Purchase price up to $566,354

📍 Buying in a targeted area? There’s no first-time buyer requirement, income limits are higher, and the purchase price limit goes up to $692,211.

🏠 It works for single-family homes, condos, townhomes, owner-occupied duplexes, and manufactured homes on a permanent foundation, as long as the home is your primary residence in Missouri.

🎥 Watch the full video to learn how forgiveness works, what happens if you sell or refinance, and the facts about the federal recapture tax.

📞 Want to see if you qualify? Call or text me at (913) 710-5626 or visit roncardozo.com.

Ron Cardozo | Senior Home Loan Advisor | First Bank Mortgage
NMLS #34541 | First Bank NMLS
#551928 | Equal Housing Opportunity | Member FDIC
All loans are subject to credit approval and program guidelines. Program terms, limits, and rates are set by MHDC and may change. This is not tax advice.

10/28/2026

Front-end vs. back-end DTI: which one actually matters? 🏡

Lenders look at two debt-to-income ratios when you apply for a mortgage:

📊 Front-end DTI: your new house payment (principal, interest, taxes, insurance, mortgage insurance, HOA) divided by your gross monthly income
📊 Back-end DTI: your house payment plus all recurring monthly debts, divided by your gross monthly income. For most approvals, this is the one that matters most.

What counts: car loans and leases, student loans, credit card minimums, personal loans and HELOCs, other mortgages, child support and alimony
What usually doesn’t count: utilities, cell phone, groceries, childcare, car and health insurance

Kansas City example:
$8,000/mo income ➡️ $2,200 house payment = 27.5% front-end
Add $800 in other debts ➡️ $3,000 total = 37.5% back-end

Every loan program (Conventional, FHA, VA, USDA, Jumbo) sets its own DTI guidelines. Strong compensating factors like cash reserves, good credit, a bigger down payment, or job stability can help you qualify above the standard limits.

💡 Thinking about paying something off to lower your DTI? Talk to me first. The right debt to pay off makes a big difference.

📞 Want a free DTI analysis, with no cost and no obligation? Call or text me at 913-710-5626 or visit roncardozo.com.

Ron Cardozo | Sr. Home Loan Advisor | NMLS #34541
First Bank Mortgage | NMLS
#551928 | Equal Housing Lender | Member FDIC
For educational purposes only. This is not a commitment to lend. All loans are subject to credit approval.

10/28/2026

👻 Mortgage questions haunting you? Let’s take the mystery out of home financing! 🏡

Whether you’re buying your first home or planning your next move, I’m here to explain the preapproval process, explore your loan options, and help you understand what fits your goals and budget.

🎃 No tricks—just clear answers and personal guidance.

📩 Send me a message, and let’s talk about your next move!

Ron Cardozo | Senior Home Loan Advisor
NMLS #34541 | First Bank NMLS #551928
Equal Housing Lender. Member FDIC.
All loans subject to credit approval. Terms and conditions apply.

10/27/2026

🏡 **How Much House Can You ACTUALLY Afford?** 💰

Just because you're pre-approved for a certain amount doesn't mean you have to spend that much!

💡 **Here's something every homebuyer should know:** Your mortgage approval amount and your comfortable monthly budget aren't always the same.

When determining what you can comfortably afford, it's important to look beyond just the purchase price.

✅ **Monthly Mortgage Payment** – Principal and interest

✅ **Property Taxes & Insurance** – Costs that can vary depending on the home

✅ **Mortgage Insurance & HOA Fees** – Additional expenses that may apply

✅ **Monthly Living Expenses** – Car payments, groceries, utilities, savings, and everyday life

✅ **Your Lifestyle & Future Goals** – Vacations, retirement, home maintenance, and unexpected expenses

🔑 **My goal isn't just to help you qualify for a home loan. It's to help you find a payment that fits your lifestyle and financial goals!**

Before you start shopping for homes, let's talk about what you're comfortable spending each month—not just what a lender says you can borrow.

📲 **Have questions about how much house you can afford? Call or text me!**

**Ron Cardozo | Sr. Home Loan Advisor**

📞 913-710-5626

📧 [email protected]

🌐 www.RonCardozo.com

First Bank Mortgage | NMLS #34541 | First Bank NMLS #551928 | Equal Housing Lender

10/27/2026

👻🏡 **Don’t let the housing market scare you!**

Buying a home can bring up plenty of questions: How much can I comfortably afford? What loan options are available? How much money will I need to get started?

You don’t have to figure it all out alone. I’m here to help you explore your financing options, understand your buying power, and create a plan that fits your budget and goals.

🎃 Ready to take the mystery out of your mortgage? **Send me a message or call me at 913-710-5626.** Let’s talk about your next steps!

Ron Cardozo | Senior Home Loan Advisor
First Bank Mortgage
Ron NMLS #34541 | First Bank NMLS #551928
Equal Housing Lender | Member FDIC

10/26/2026

Even haunted houses need a little TLC to keep their spirits up! 👻🏡

Regular maintenance and thoughtful updates can help protect your home’s value—and keep costly surprises from creeping up on you. From cleaning the gutters and sealing windows to handling small repairs before they become big problems, a little prevention can go a long way.

After all, unexpected repair bills are the kind of fright no homeowner wants this Halloween! 🎃

Questions about homeownership or financing options for a larger improvement project? Call me at (913) 710-5626 or email [email protected].

Ron Cardozo
Sr. Home Loan Advisor | NMLS #34541
First Bank NMLS #551928
Member FDIC | Equal Housing Lender

10/26/2026

🔑🏡 Almost at closing? Keep your finances steady until the keys are yours!

That new furniture, car purchase, or credit card offer can wait. Changes to your credit, debts, employment, or funds could affect your loan approval—even during the final stretch.

✅ Keep existing payments current.
✅ Avoid opening new credit or increasing balances.
✅ Check with me before closing accounts, moving large sums, or making major purchases.
✅ Let me know promptly about changes to your income or employment.

**Have questions before closing? Call, text, or message me before making a move. Let’s keep your home purchase on track!**

Ron Cardozo | Sr. Home Loan Advisor
First Bank Mortgage
📱 913-710-5626
🌐 www.RonCardozo.com

LO NMLS 34541 | First Bank NMLS 551928
Equal Housing Lender. All loans subject to credit approval and program requirements.

10/25/2026

🏡 Pre-qualified vs. pre-approved—do you know the difference?

✅ **Pre-qualification** provides an initial estimate of your homebuying budget, often based on information you share.

📋 **Pre-approval** typically involves a more detailed review of your income, assets, debts, and credit. It can help you focus your home search and show sellers you’ve taken steps toward financing.

Whether you’re just browsing or getting ready to make an offer, let’s talk about your next step!

📲 Call or text **Ron Cardozo: 913-710-5626**
🌐 www.RonCardozo.com

First Bank Mortgage
LO NMLS 34541 | First Bank NMLS 551928
Equal Housing Lender | Member FDIC

Neither pre-qualification nor pre-approval guarantees a loan. Processes vary by lender. Final approval is subject to underwriting and property requirements.

10/24/2026

🏡📋 **Applying for a mortgage? Start by getting your paperwork organized.**

Common documents include:

✅ Government-issued photo ID
✅ Income and employment records
✅ Bank and asset statements
✅ Additional records based on your situation

▶️ Watch this video to learn what you may need and why lenders request it.

💡 When submitting statements, include every page—and use your lender’s secure upload system for sensitive documents.

Need help getting started or preparing for preapproval? **Call or text me at 913-710-5626.**

Ron Cardozo | First Bank Mortgage
🌐 www.RonCardozo.com
LO NMLS #34541 | First Bank NMLS #551928
Equal Housing Lender

Document requirements vary by borrower and loan program. All loans are subject to credit approval and program requirements.

Address

6201 College Bvld
Leawood, KS
66211

Telephone

+19137105626

Website

http://www.roncardozo.com/

Alerts

Be the first to know and let us send you an email when Ron Cardozo NMLS #34541 - First Bank - Senior Loan Officer posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.