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Mortgage Loans in Missouri

Mortgages are not one size fits all. That’s why at Bank of Old Monroe, we offer numerous personalized mortgage solutions designed to meet both homebuyers and existing homeowners’ unique needs. Our experts know all about mortgage loans in Missouri and will help you through the process. Let us help you navigate the world of mortgage financing with ease and confidence.

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Prequalification: The First Step to Your Dream Home

Consulting with our mortgage lenders today will save you time and help avoid hassle. Get prequalified and benefit from their expertise. Prequalification shows you what you can afford and marks the first step toward purchasing your dream home. 

When you choose the Bank of Old Monroe’s mortgage solutions, you’ll receive unmatched personalized support that can only come from a community bank that cares. Whatever your needs, wants, and aspirations, we’ll help you get there.

Explore our range of mortgage solutions, and contact our lending team today to experience the difference:

Adjustable Rate Mortgage (ARM)

Adjustable rate mortgages (ARMs) offer an attractive option for those who want to take advantage of lower initial interest rates. These are home loans whose interest rates change or adjust as the financial market fluctuates. ARMs begin with lower interest, but your rate and monthly payment will likely increase after a while. 

If you anticipate moving frequently or plan to purchase a temporary home, an ARM could be a fitting solution for you. Connect with one of our friendly mortgage team members today to begin the prequalification process.

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Fixed Rate Mortgage

With a fixed rate mortgage, you enjoy the stability of a consistent interest rate throughout the life of your loan. Your monthly principal and interest payments remain unchanged regardless of how interest rates fluctuate in the financial markets. Although taxes and insurance on your home may fluctuate, the interest rate on your fixed rate mortgage remains constant. 

Choose a fixed rate mortgage to understand your monthly mortgage payments clearly. Consult with one of our experts today to determine if this option aligns with your financial goals.

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Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit, or HELOC, allows you to access the equity you’ve accumulated in your home or land, converting it into cash for different financial purposes. HELOCs provide you with the flexibility of available funds when you need them.

  • Home remodeling
  • Vehicle purchases
  • Home improvements
  • Debt consolidation

HELOCs typically have lower costs than unsecured loans and credit cards. Your home serves as security for the loan. Unsecured loans and credit cards often have higher interest rates.

Contact our mortgage team to finance big purchases or projects using your home’s equity. We’ll help you explore the possibilities and maximize your home’s equity.

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Get Started with Your Mortgage Loans in Missouri Today

Whatever your needs, wants, or goals, there’s a personalized mortgage loan solution for you at the Bank of Old Monroe. Many mortgage loans in Missouri are available, so it can be challenging to determine which solution meets your needs. That’s why our experts take the time to explain your options and recommend the best fit.

At the Bank of Old Monroe, we’re committed to providing mortgage solutions that best suit your needs and financial aspirations. Whether you’re a first-time homebuyer or a veteran homeowner, we’re here to make your homeownership journey smooth and successful. Contact a member of our mortgage team today to get started.

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Manage your finances on the go with the Bank of Old Monroe app! Our app allows you to view transactions, transfer funds, pay bills, deposit checks and more! To discover all the ways our app can benefit you, visit your app store and search “Bank of Old Monroe” to download.

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