Fixed Rate Mortgages

• Predictable monthly payments that stay the same for the selected term — never worry about the possibility of rising interest rates
• Professional staff with experience in the local market
• Personalized service every step of the way

Contact Lennie Fincher, Fixed Rate Loan Officer at [email protected] or 573-327-7002.

To see if you qualify, please fill out the pre-qualification worksheet.

• Minimum down payment of 5% (3% if first-time homebuyer; can be gift funds)
• Monthly PMI required on all loans with LTV greater than 80%
• Cash-out refinances require LTV <= 80%             
• Rate/term refinances up to 95% LTV
• Minimum credit score of 640 for automated approval
• Minimum credit score of 600 with compensating factors

• Minimum credit score of 600
• Must have at least 3.5% down payment
• May be gift funds
• If gift from seller, minimum down payment of 15%
• Minimum of 2 years since bankruptcy   
• Minimum of 3 years since foreclosure or deed in lieu of foreclosure
• If property is on private well & septic, a well & septic inspection is required
• Property must meet HUD handbook guidelines
• Minimum down payment of 3.5% required
• NO PROGRAMS AVAILABLE FOR SINGLE-WIDES
• Double-wide must have HUD tags
• Engineer’s cert on structure is required

• Minimum credit score of 640
• No down payment required
• Must have certificate of eligibility
• Not available on new construction
• Not available on manufactured housing

• No down payment required
• Homes must be move-in ready
• Minimum credit score of 640 for automated approval
• Minimum credit score of 600 with compensating factors
• 2 years full-time employment
• 2 credit sources >= 12 months old
• 12 month rental history
• NOT FOR MANUFACTURED HOMES