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Home loans at The Bank of Missouri

Home Loans at The Bank of Missouri

More Than Your Mortgage Lender

We believe being your mortgage lender is not enough. We want to be your mortgage partner. Whether you are purchasing your first home, moving to a larger home, or refinancing your existing mortgage, we’ll help you find the right home loan for your needs.

The mortgage industry is unique and constantly changing. Our experienced lenders will guide you through the process, making it as quick and stress-free as possible.

At The Bank of Missouri, you will find:

  • Competitive interest rates and closing costs
  • Local decision-making
  • A wide range of home loan options
  • Customized solutions to meet your needs
  • Pre-qualification provided at no cost to you for better buying power

Take a look at some of our common loan options, then apply online or fill out the form below. Our lending team looks forward to working with you.

Conventional Loans

Our conventional loans offer a wide selection of options with either fixed or variable rates or payments. Purchase and refinance transactions are available.

  • Up to 97% maximum loan to value (LTV)
  • PMI (private mortgage insurance) is required on most loans with Loan to Value greater than 80%
  • Purchase and refinance transactions available
  • Portfolio loans and secondary market loans available
  • Eligible property types
    • 1 – 4 unit homes
    • Approved condominiums
    • Planned Unit Development (PUD)

Apply Online

Adjustable Rate Mortgage

Adjustable rate mortgages typically have lower interest rates during the early years of a loan, then increase over time. Is an adjustable rate loan right for you? Talk to us today to find out.

Residential Construction Loans

Build your dream home with a construction loan, which provides financing during the construction phase. Upon completion of your home, The Bank of Missouri will refinance the home to an appropriate loan program. 

  • Interest-only payments based on outstanding balance
  • 80% maximum loan to value (LTV)
  • Inspections and disbursements handled by bank or title company
  • Eligible property type
    • 1 – 4 unit owner occupied

Apply Online

VA Loans

VA loans offer long-term financing to eligible veterans, active duty personnel, or surviving spouses. Up to 100% financing is available for these loans, which are guaranteed by the U.S. Department of Veteran Affairs. Purchase and refinance transactions are available.

  • Eligible property type
    • 1 – 4 unit owner occupied

USDA Rural Housing Loans

USDA Rural Housing Loans are geared toward purchasing property with 100% financing in an eligible rural location.

  • Up to 100% loan to value (LTV) based on appraised value
  • Eligible property types
    • Owner occupied single family detached

FHA Loans

FHA loans can help lower-income borrowers buy otherwise unaffordable homes. Lending limits will vary based on housing types and the state and county in which the property is located. FHA collects an up-front mortgage insurance premium along with an annual fee. Purchase and refinance transactions are available.

  • 96.50% LTV on purchase transactions
  • Eligible property type
    • 1 – 4 unit owner occupied

Get Started with a Smart Home Loan

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If you prefer, you can give us a call at 1-888-547-6541 or visit one of our convenient locations.

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External Link Disclaimer

You will be linking to another website not owned or operated by The Bank of Missouri. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from The Bank of Missouri.

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Email Disclaimer

Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch.

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First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri.

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