Built Around Your Goals
Mortgage options designed to fit your life today—and what comes next.
Every homebuyer’s situation is different. Whether you’re purchasing your first home, upgrading, investing or buying a second place, OMB Bank takes the time to understand your full financial picture—not just the transaction. Our local mortgage team helps match you with the right loan structure now, while keeping your long-term goals in mind.
Our home mortgage options include:
- Fixed-rate conventional mortgages for predictable monthly payments
- Adjustable-rate mortgages (ARMs) for flexibility and strategic planning
- VA loans for eligible service members and veterans
- FHA loans designed for accessible homeownership
- USDA rural housing loans for qualified properties and buyers
- Jumbo loans for higher-value homes
- Investment property loans for real estate growth
Not sure which option fits? Our local lenders are here to help you evaluate the right path—today and over time.
Meet Our Lenders
With decades of experience, our mortgage loan officers can help you through every step of the home ownership process.
MHDC Certified Lender
Guidance matters—especially when you’re buying your first home.
As an MHDC-certified lender, OMB Bank offers Missouri Housing Development Commission programs designed to help make homeownership more accessible for first-time homebuyers and eligible veterans. Our local mortgage team walks you through available options and qualifications, helping you take advantage of programs that may assist with down payments, closing costs, income flexibility and mortgage credits—all with local decision-making and in-house processing.
MHDC programs available through OMB Bank include:
Talk with a local mortgage lender to see which programs may fit your goals.
Construction Loans
Build a home that fits your vision—with guidance from a local team that understands the process.
OMB Bank’s construction loans are designed to provide flexibility, transparency, and support from groundbreaking to move-in. Construction loan features include:
- Availability for primary residence or second home construction
- Interest-only payments during the construction phase
- Payments based only on funds drawn to pay your builder
- Stage-based construction draws tied to completed work
Our local lenders work closely with you and your builder to help keep your project moving smoothly.
Contact Us for Current Rates
Currently the mortgage rate environment is in constant fluctuation, as we're sure you know. That's why we encourage you to contact one of our mortgage loan originators for accurate and up-to-date rate information. Thank you for understanding and we look forward to speaking with you soon!
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.
Plan for Anything
Our 40+ free financial calculators can help you finesse your budget, compare borrowing costs, forecast earnings and so much more.
MONEY TIPS
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.
6 Steps to Help Build Equity in Your Home Faster
Building equity isn’t just a long-term financial milestone — it’s one of the most reliable ways to grow personal wealth. Equity represents the portion of your home you truly own, and with the right strategies, you can accelerate its growth. From making smarter mortgage payments to choosing home improvements that add real value, this guide breaks down clear, practical ways to strengthen your financial foundation and get the most out of your investment.
When Does Refinancing Your Mortgage Make Sense?
Refinancing your mortgage can lead to lower payments, better terms or faster payoff—but timing is everything. Learn when it’s the right move and what to consider before you act.