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Home Loans

Finance the Purchase of Your Dream Home

It doesn’t matter if you’re looking to purchase your first home, or you’ve been through the home buying process before – it’s important to work with a lender you can trust. The mortgage lending associates at our branches can answer any questions you have about the home lending process and which loan may be the right choice for you.To speak with our lending team about a Home Loan, give us a call at 573-606-6359 or visit one of our branches. If you want to start your online mortgage application, please click the button below.

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family in new home

Home and Mortgage Loan Offerings

Loan Type

Loan Details

Conventional Fixed-Rate Mortgage

For borrowers looking to stay in their home long term. Your interest rate stays the same throughout the term of the loan to allow you to plan a consistent payment each month.

Adjustable-Rate Mortgage

Ideal for borrowers looking to live in their homes or payoff their mortgage quicker than a conventional term. Rate is fixed for an initial period and then can change throughout the remainder of the loan’s term.

Mortgage Loan Refinance

Take advantage of paying less interest than your original mortgage loan, reduce your monthly payment, pay off your loan faster, or cash out for that next project.

Home Equity Loan

A lump sum loan that allows you to use your home’s equity to pay for home improvement projects, consolidate debt or gain financial flexibility.

Construction Loan

Use a construction loan to cover the construction costs associated with building your dream home from the ground up. When your project is complete your loan can be converted into a traditional mortgage loan.

FHA Loan

Ideal for borrowers who need a lower down payment and additional help in qualifying for a home loan.  FHA loans oftentimes also offer a lower interest rate than conventional loans.

VA Loan

Mortgage loans for veterans that offer several benefits, including, in most cases, no down payment requirement and no monthly private mortgage insurance (PMI).

USDA Loan

Offered through the U.S. Department of Agriculture, these loans offer several benefits including no down payment requirements for rural properties.

Bridge Loan

A short-term loan to “Bridge” the gap between purchasing a new home and selling your current home.

Jumbo Loan

For borrowers requiring a loan amount greater than the traditional loan limits.

HELOC Early Disclosures  

What to Know About HELOCs

Meet Our Home Lending Team

Mark Adrian

Mark Adrian

VP, Loan Officer

NMLS: 463302

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Locations: Marys Home, Osage Beach

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Mark Baker

Mark Baker

Loan Officer

NMLS: 1696230

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Linn

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Steven Domingue

Steven Domingue

AVP, Residential Loan Officer

NMLS: 1796928

Divisions: Commercial Loans, Consumer Loans, Home Loans

Locations: Marys Home, Osage Beach

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Allen Gradel

Allen Gradel

VP, Loan Officer

NMLS: 463298

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Freeburg

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Ben Holterman

Ben Holterman

AVP, Loan Officer

NMLS: 1701253

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Freeburg

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Michael Boyce, Jr.

Michael Boyce, Jr.

AVP, Loan Officer

NMLS: 1014246

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Holts Summit

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Scott Juergensmeyer

Scott Juergensmeyer

VP, Investment Officer

NMLS: 628314

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Meta

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Brenda Leydens

Brenda Leydens

VP, Loan Officer

NMLS: 628315

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Holts Summit

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Steve Massman

Steve Massman

VP, Residential Team Lead

NMLS: 463303

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Locations: Meta, Osage Beach, St. Elizabeth

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Seth Perkins

Seth Perkins

Loan Officer

NMLS: 2088787

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Belle

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Matt Robertson

Matt Robertson

VP, Loan Officer

NMLS: 463301

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Location: Linn

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Jon Robertson

Jon Robertson

Market President - St. Elizabeth

NMLS: 463300

Divisions: Ag Loans, Commercial Loans, Consumer Loans, Home Loans

Locations: Marys Home, Osage Beach, St. Elizabeth

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Shelly Schwartz

Shelly Schwartz

VP, Residential Loan Officer

NMLS: 628318

Divisions: Consumer Loans, Home Loans

Locations: Belle, Columbia Loan Production Office, Jefferson City

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Kelly VanLoo

Kelly VanLoo

VP, Residential Loan Officer

NMLS: 628321

Division: Home Loans

Locations: Columbia Loan Production Office, Wardsville

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