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Missouri Mortgage Lenders

Now you can compare refinance, home equity, second mortgages, purchase loans and debt financing for homeowners with good and bad credit. Our Missouri mortgage lenders continue to deliver low rate and flexible programs for refinance and purchase mortgages across the state. Shop & Compare mortgage rates by state, loan quotes, and Mid-West real estate articles and for helpful insight for consumers in Missouri. Borrowers can choose from several home equity options, flexibility and convenience with our Closed End Stand Alone Second Mortgage Program. Choose from: Full Doc, 12 Month Bank Statements, Stated Doc and Reduced Doc available.

Preferred Loan Type:
Property Value:

Credit Rating:
Property Type:

  • Refinance 1st and 2nd mortgages into one payment carrying a lower interest rates and better terms.
  • Say "Good Bye" to compounded credit card interest
  • Consider refinancing student loans and high rate auto loans into a tax deductible 2nd mortgage.
  • Add a HELOC with an Interest Only Payment
  • Convert your adjustable rates to a Fixed Rate Loan
  • FHA and VA Government Loans
  • Cash Out Loans for Conforming and Jumbo
  • Get Money for Home Remodeling and Construction
  • FHA Refinancing with Very Little Equity Requires
  • Add an Equity Line of Credit for Emergency Funds

Mortgage Rates for Missouri

Jefferson City

Kansas City

Saint Louis


Missouri mortgage rates have dipped in record territory for the first time in this generation.

Home refinancing in Missouri has never been more popular with millions of baby-boomers migrating to the 15-year mortgage because that rate has dropped below 3%.


Mortgage Terms to Know for the Loan Process

Annual Percentage Rate (APR)

Second Mortgage

Home Equity Line of Credit

APR is a rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account point and other credit cost. The APR allows home buyers to compare different types of mortgages based on the annual cost for each loan.

A fixed or adjustable rate loan, secured by the equity in your home. Interest is usually tax-deductible to 100% CLTV. Often used for home improvement or freeing of equity for investment in other real estate or investment. Great loan for refinancing to replace or substitute for consumer loans whose interest is not tax-deductible like credit card debt and personal loans.

A loan providing you with the ability to borrow funds at the time and in the amount you choose, up to a maximum credit limit for which you have qualified. Repayment is secured by the equity in your home. Simple interest (interest-only payments on the outstanding balance) is usually tax-deductible. Often used for home improvements, major purchases or expenses, and debt consolidation.

Combined Loan to Value Fixed Rate Mortgage Jumbo Home Mortgage

The relationship between the unpaid principal balances of all the mortgages on a property and the property's appraised value.

A mortgage loan with an interest rate that is fixed for the term of the loan. Monthly payments are fixed evenly for a specific term.

A loan which is larger (more than $417,000) than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

30-Year Amortization Term

  • Four options available: 30-Year Fixed, 360 months
  • Maximum LTV 100%, Maximum CLTV 100%
  • Loan Amounts to $1,500,000
  • 100% LTV Full Doc minimum 580 Credit Score
  • 95% LTV Stated Doc minimum 620 Credit Score
  • Maximum Debt to Income - 55% up to 90% LTV;
  • Documentation Types - Full, Limited and Stated Income

Nationwide Mortgage Loan Terms:

  1. First Mortgage Product is available with a 2/28 or 3/27 LIBOR ARM, a 15/15 and 30/30 fixed term, and a 30/15-balloon term. The 2/28, 3/27 and 30/30 terms are available with an Interest Only option with some restrictions.
  2. The Second Mortgage Loans are available with a 15,20, 25 and 30-Year fixed term and a 30/15-balloon term..
  3. Pricing is subject to change daily. Please refer to loan officer for updated interest rates by state.
  4. 40 Yr Amortization: First Mortgage programs are available with a 2/38 or 3/37 LIBOR ARM and 40/30 Balloon first
  5. Interest only is available on the 2/28, 3/27 and 30/30 first liens only

Apply Online or Call Our Experienced Missouri Mortgage Lenders for a Free Quote

This is not an advertisement for credit. See Privacy for Details. Nothing on this web site contains an offer promise either to make a mortgage loan or that any participating lender will guarantee any home loan for any purpose or on any specific terms. Loans cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value.

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