No need to compromise — find the right fixed-rate mortgage from our wide variety of programs.
Key Features
Competitive Rates
Flexible Terms
Variety of Programs
Local Processing
- 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
THIS IS NOT AN EXHAUSTIVE LIST OF GUIDELINES; THESE BASIC GUIDELINES SHOULD HELP YOU DETERMINE IF CUSTOMER AND/OR PROPERTY MEETS CRITERIA FOR A FIXED-RATE LOAN.
Minimum loan amount of $50,000 for ALL programs.
Unique properties (i.e.: log homes, earth-contact homes, homes w/ 20+ acres) subject to comparable sales within past 12 months.
We cannot finance agricultural property or commercial property (stables, kennels, etc.).