Home Sweet Home Loans
Whether you’re buying your first home or your fourth, we offer a variety of mortgage loans with competitive rates and convenient terms to help you turn your dream home into reality.
Conventional Loans
Buy a new home or refinance your existing home loan to lower your payment, remove private mortgage insurance or get funds to pay off debt or make home repairs.
- Available for purchase or refinance
- Fixed-rate and adjustable-rate loans available
- Terms from 10 to 30 years
- No prepayment penalties
First-Time Homebuyer Loans
Get the expert guidance you need to go from renter to homeowner, with attentive personal service from day one through closing day.
- Fixed-rate loans with predictable monthly payments
- Flexible credit score requirements
- Lower down payment requirements
- Ideal for borrowers with low to moderate incomes
VA Loans
Take advantage of our special program designed to help active-duty service members and eligible veterans achieve homeownership, affordably.
- Lower interest rates available
- No down payment required for qualified borrowers
- No minimum credit score requirement
- No private mortgage insurance (PMI)
FHA or USDA Rural Development Loans
Enjoy lower down payment requirements and lower interest rates than a conventional loan with a mortgage backed by the federal government.
- Available for first-time buyers and current homeowners
- Fixed-rate loans with stable monthly payments
- Ideal for people with little savings or credit challenges
- Must meet geographic eligibility requirements for USDA loans
Estimate Your Payments
Use our free online calculator to estimate your monthly loan payments.
Required Documents
You can securely apply online for a home loan or print our application form and complete it at your convenience. Each borrower will need the following documents to apply:
- Federal income taxes from the past two years
- Most recent W-2 form
- Copy of legal description of the house
- Purchase contract signed by the homebuyer and seller
- Current pay stub
- Driver’s license, passport or other government-issued ID
Current Rates
Please contact your local branch
or call our Customer Service team at (573) 785-8461 for more information about our rates.
Apply for Pre-Approval
Apply for your mortgage loan before
you find your perfect home. We’ll issue
a pre-qualification letter you can use to assure sellers that you’re a qualified buyer. Plus, you’ll have an opportunity to lock in your rate.
Required Documents
You can securely apply online for a home loan or print our application form and complete it at your convenience. Each borrower will need the following documents to apply:
- Federal income taxes from the past two years
- Most recent W-2 form
- Copy of legal description of the house
- Purchase contract signed by the homebuyer and seller
- Current pay stub
- Driver’s license, passport or other government-issued ID
Current Rates
Please contact your local branch
or call our Customer Service team at (573) 624-3571 for more information about our rates.
Budgeting Tools
MoneyMap, First Midwest’s free
personal finance tool, can help you
create a personalized budget, monitor your spending trends, recommend ways to get out of debt, and track your debt repayment progress.
We’re Right Around the Corner
We have several conveniently located branches throughout Missouri. Stop by and visit us today — we can’t wait to see you!
Meet Our Local Mortgage Lenders
Explore the Possibilities
Enjoy 24/7 convenience plus total control of your finances.
Earn a competitive rate to make the most of your money.
Simplify your finances with banking designed to fit your life.
