FDIC-Insured – Backed by the full faith and credit of the U.S. Government

FDIC-Insured – Backed by the full faith
and credit of the U.S. Government

Mortgage Loans

Buy or refinance your home with confidence.

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

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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

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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)

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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

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Estimate Your Payments

Use our free online calculator to estimate your monthly loan payments.

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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.

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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.

Call Us

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.

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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!

Find a Branch