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Loans for

Rural Homes
and Land

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. 

Rural Home Loan Rates

Product Rate APR
Fixed Rate 30 Year 7.250% 7.350%
Fixed Rate 25 Year 7.250% 7.360%
Fixed Rate 20 Year 7.150% 7.280%
Fixed Rate 15 Year 7.050% 7.210%
Fixed Rate 10 Year 6.850% 7.070%
Adjustable Rate 5/1 7.250% 7.790%
Adjustable Rate 3/1 7.350% 7.930%

Rates effective 6/15/2024

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