Molly Dean
Mortgage Banker // NMLS #259721
The loan process crafted just for you!
The loan process crafted just for you!
Your hometown mortgage experts!
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
Get started by using one of our FREE tools!
I started in mortgage banking in 2003 and quickly found my home here at LeaderOne Financial. The mortgage business is truly my passion. I love being able to help people buy a home for their family or their investment portfolio. Watching a person or family achieve the goal of homeownership is the BEST. Mortgage banking is more than just helping you buy a home to me. It is creating a lasting partnership with my clients and my referral partners that allow you to trust in me with your mortgage needs for life.
But, I am guessing you really clicked on my photo to learn more about me and who I am…..
I am a working mom and wife – and would not have it any other way.
I met my husband in 2009 and we married in 2011 and we welcomed Rhea Marie to the world in 2013.
When I married Josh and we had Rhea, I truly found my WHY. This little family of mine is the complete motivation I needed to grow my brand and my team to become the top local mortgage experts in the KC market.
I spend my days and nights coaching my clients about homeownership and my team about the mortgage business.
But, in my spare time, you will likely find me at the lake on the boat with family and friends. I love going to KC Royals baseball games, watching KU basketball, and watching Tom Brady play football. I love to visit my sis in Chicago or hit the blackjack tables in Vegas. But, most importantly, I love spending my free time with Josh, Rhea, and our 3 puppy dogs – Sammy, KC, and Charlie.
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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.
How the process works
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!
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
1 year years
TOTAL COSTYEARS
Costs over
Monthly Cost (after )Yearly Cost (after )Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
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)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- 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
- 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
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.
Thousands of 5-star
reviews & happy clients!
“I have used Molly for four separate transactions (buy-refinance-sell-buy). There is a reason I am a repeat customer. She is super knowledgeable and knows the in's and out's of the business. She goes above and beyond to make sure that I am happy with all the numbers. She got me a rate well below what other lenders were quoting me. Molly listens and delivers! She is an absolute joy to work with. Can't get much better than her!”
Megan KKansas City, MO
