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Country Home

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Dream of living in the country?

There are many reasons to purchase a home in the country. We work with people who want to live on a couple of acres to those who want to live on hundreds of acres and others who may want to build their dream home.

The process of purchasing a house with acreage can be different from a traditional mortgage. We put together resources to assist you in the process.

Have questions about the process to own a country home?

Our lending staff is happy to answer any questions you have about buying a home in the country or land to build your dream home. Find an office near you or complete this form and a member of our team will contact you.

Find a local office

Live how and where you want

  • Small or large acreage*
  • Home loans
  • Construction loans
  • Refinancing

To qualify

  • Your home site must be in a rural area
  • Or within a Missouri city of 2,500 or less

*Some restrictions apply

Home loan rates are listed below. These rates are based on the following loan parameters:

The interest rates and Annual Percentage Rates (“APR”) shown above are based on the following parameters:  $200,000 loan amount; 80% loan-to-value (“LTV”) or less; closing costs of $1,969; monthly payments; no subordinate financing; property in Missouri

*Adjustable Rate Mortgages

Adjustable Rate Mortgage (“ARM”) products have an initial fixed rate period of 5 or 3 years, and a full loan term of 30 years (360 months). After the initial fixed rate period has expired, the interest rate will be adjusted annually based on an index (1-yr FFCB) plus a margin (3.05%), and is subject to an annual rate cap of 2.00% and a lifetime cap of 6.00%. An interest rate “cap” limits how much the rate may change at each adjustment and over the life of the loan. Interest rate caps may differ by ARM product.

Mortgage rates could change daily

  • Actual rates, APR’s, payments, lender fees and closing costs vary based on your individual situation and current rates.  The information provided above reflects estimates of the charges. 

  • Some restrictions apply

  • Based on a consumer loan secured by a conventional dwelling

  • Borrower responsible for taxes and insurance.

There is no guarantee that all applicants will qualify and approval is subject to verification of credit, income, employment, assets and liabilities, and property value, among other criteria. This is not a commitment to lend.

View our list of Mortgage Loan Originators. 

Supporting the future of farming

Over $1.5 million given to local 4-H and FFA organizations

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