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Sheree Howerton

Mortgage Loan Officer, Carthage area | NMLS# 454361

Sheree Howerton can help families and first-time homebuyers secure conventional, FHA, USDA, VA and jumbo home loans.

Sheree Howerton has more than 35 years of banking experience, with nearly 25 as a mortgage lender. Whether it's your first home or forever home, Sheree and the OMB mortgage team can help.

Ready to apply or pre-qualify for your home loan? It's quick, easy and available online!

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Find the Right Home Loan Option for You

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Home Mortgage Loans

Buy, build or refinance with mortgage options including conventional, FHA, USDA, VA and jumbo loans.
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An Old Missouri Bank animation of a personal checking account check FLEXIBLE ACCESS

Home Equity Line of Credit

Access your home’s equity through a revolving line of credit you can use when and as you need it.
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Home Equity Loan

Borrow against your home’s equity with a fixed-rate loan for renovations, major purchases and other planned expenses.
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The Path to Homeownership

Buying a home is likely the largest purchase you'll ever make. Uncomplicate the process with our interactive & comprehensive guide that covers everything you need to know from start to finish.

Click to read Handbook to Buying a Home

Plan for Anything

Our 40+ free financial calculators can help you finesse your budget, compare borrowing costs, forecast earnings and so much more.

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LATEST NEWS

OMB Mortgage Loan Officer Oksana K. in front of a residential neighborhood.

Why Property Taxes Matter More Than Most Homebuyers Think

Many buyers focus on mortgage rates and home prices, but property taxes can quietly reshape a monthly budget. Understanding how taxes work before buying a home can help avoid surprises later.

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Older couple smiling and carrying moving boxes

How to Know When It’s Time to Downsize Your Home

Downsizing can be both an emotional and financial transition. This guide explores why many homeowners choose to move into smaller homes, the financial benefits of reducing housing costs and practical tips for planning the move. By approaching downsizing thoughtfully, homeowners can simplify their lifestyle while strengthening their financial future.

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A smiling couple holding their baby with a roof over their head and moving boxes in the background

A Homebuyer’s Guide to How Mortgage Insurance Works (and When You Need It)

Mortgage insurance is a common part of the homebuying process, especially for buyers who put less than 20% down. While it adds a monthly cost, mortgage insurance can actually help you become a homeowner sooner. This article breaks down how popular mortgage insurance services work, the types you may encounter, how long you’ll have to pay it, and strategies to reduce or remove it over time.

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