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. Please visit one of our branches to speak with our lending team . If you want to start your online mortgage application, please click the button below.
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. |
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. |
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. |
Meet Our Home Lending Team
Michael Boyce, Jr.
Loan Officer
NMLS: 1014246
Divisions: Ag Loans, Consumer Loans, Home Loans
Location: Holts Summit
Michael Boyce, Jr.
Michael knows that you might have questions along the financing process and he’s ready to be there to answer them. With over 15 years of banking experience, Michael is ready to provide quality service and help you finance your dreams.
Brenda Leydens
VP, Loan Officer
NMLS: 628315
Divisions: Consumer Loans, Home Loans
Location: Holts Summit
Brenda Leydens
Being a native of Holts Summit, Brenda knows the Holts Summit area very well. Brenda has almost 40 years of banking knowledge and also holds a Bachelor Degree from William Woods University in Business Management. She has worked in several different areas of banking and she enjoys visiting with her customers and really getting to know them and their personal interests. Brenda is there for you and will assist you with your lending needs. Contact her at 573-896-4790 or just stop in.
Shelly Schwartz
VP, Residential Loan Officer
NMLS: 628318
Division: Home Loans
Location: Jefferson City
Shelly Schwartz
As a tenured professional in the residential lending business, Shelly attributes her success to her excellent customer service skills and always keeping the needs of the customers first. Lending is no longer a one-size-fits-all industry and Shelly's approach to selecting the best home loan product frequently provides her customers a substantial savings over the life of the loan.
Kelly VanLoo
VP, Residential Loan Officer
NMLS: 628321
Division: Home Loans
Location: Wardsville
Kelly VanLoo
Kelly understands the unique demands and stress people are faced with when wishing to build, purchase, or refinance their home. Whether a first-time homebuyer or a seasoned homeowner, you can rely on Kelly to guide you through what is, for many, the biggest investment of their lives.