No need to compromise — find the right fixed-rate mortgage from our wide variety of programs.

Key Features

Competitive rates

Competitive rates

Flexible terms

Flexible terms

Variety of programs

Variety of programs

Local processing

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 lennief@belgradestatebank.com 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.).