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Home Loans

Missouri Home Loans


The Bank of Missouri makes the home buying process smooth and worry free, whether you are purchasing your first home, would like to move to a larger home, or need to refinance your existing mortgage.

We'll Write The Loan. You Write The Story.

As you begin the next chapter of your story, let one of our experienced mortgage loan specialists guide you to the right home loan for your specific needs.

At The Bank of Missouri we offer:

  • Competitive interest rates and closing costs
  • Local decision-making
  • Wide range of mortgage options
  • Customized solutions to meet your needs
  • Pre-qualifications provided at no cost for better buying power


Choose from a vast arrary of loan programs with either fixed or variable rates or payments:

Conventional Loans

A vast array of loan programs with either fixed or variable rates or payments.

  • Up to 95% maximum LTV*
  • PMI** is required on most loans with LTV* greater than 80%
  • Eligible property types
    • 1-4 unit home
    • Approved condominiums
    • Planned Unit Development (PUD)
    • Modular or manufactured home as a primary property
  • Purchase and refinance transactions available
  • Portfolio loans and secondary market loans available

Apply Online


Home Equity Line of Credit

Borrow against the equity in your home.

A home equity line of credit allows a homeowner to borrow against the equity in their home with specific limits and terms. This is an open-end loan which allows the borrower to borrow and repay funds as needed.

  • 80% maximum LTV*
  • Small principal payment required with each payment
  • No closing costs or annual fee
  • Requires a minimum monthly payment if there is an outstanding balance
  • No pre-payment penalty
  • $10,000 minimum loan amount
  • Eligible property type
    • 1-4 unit owner occupied

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.

 Request an Application

Residential Construction Loans

Building dreams one home at a time.

The Bank of Missouri specializes in helping customers build their dream home. A construction loan provides financing during the construction phase. Upon completion of your home, the bank will refinance the loan to an appropriate loan program.

Allows a borrower to obtain financing to build or have their home built.

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

Apply Online


VA Loans

Offers long-term financing to eligible veterans, active duty personnel, or surviving spouses.

  • Up to 100% financing available
  • Guaranteed by U.S. Department of Veteran Affairs
  • Eligible property type
    • 1-4 unit owner occupied
  • Purchase and refinance transactions available
 Request an Application

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
 Request an Application

FHA Loans

Offers a minimal down payment requirement.

  • 96.50% LTV* on purchase transactions
  • Lending limits 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
    • 1-4 unit owner occupied
  • Purchase and refinance transactions available

Apply Online


*LTV - Loan to Value
**PMI - Private Mortgage Insurance