Mortgage Options
Find home mortgage loan options for primary residence, second homes, vacation homes, or investment properties.
- Fixed rate conventional mortgages
- Adjustable rate mortgages (ARMs)
- VA loans
- FHA loans
- USDA rural housing loans
- JUMBO
- Investment property loans
Meet Our Lenders
With decades of experience, our mortgage loan officers can help you through every step of the home ownership process.
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.
MHDC Certified Lender
OMB's extensive residential lending offerings now include programs through the Missouri Housing Development Commission, designed to help out first-time homebuyers when purchasing a home.
OMB is proud to be accredited with the MHDC to offer a variety of programs designed to help first-time homebuyers and United States veterans. These programs provide assistance for things such as down payments, closing costs, income limit flexibility and mortgage credits.
MHDC programs offered by OMB include:
- First Place Loan Program
- Next Step Program
Construction Loans
Make sure your home is exactly as you envisioned by building it yourself. Our construction loans offer the affordability and flexibility you need to get your homebuilding project started — and finished.
- Available for primary residence or second home construction
- Pay off interest quicker with interest-only payments during construction phase
- Payments are made on the amount drawn on your loan sufficient to pay your builder
- Construction draws applied in stages based on work completed
Plan for Anything
Our 40+ free financial calculators can help you finesse your budget, compare borrowing costs, forecast earnings and so much more.
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!
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.