UMB offers competitive interest rates on a wide selection of home mortgage loans, including conventional loans, jumbo loans and even specialty loans to support our agricultural customers and military veterans. Whether you want a fixed or adjustable-rate mortgage, we have a home loan for you. Fixed-rate Mortgage With a fixed-rate mortgage, your loan terms will include an interest rate that remains static for the duration of the loan. There are also special purchase programs for low-to-moderate income borrowers that allow for down payments as low as 3 percent. Adjustable-rate Mortgage Adjustable-rate mortgages are a type of loan with an interest rate that can fluctuate and change based on the current market and indexed rates. Specialty Loans First-Time Homebuyer Program UMB offers a program to assist qualifying first-time home buyers achieve their dreams of homeownership. We offer assistance on mortgages allowing you to borrow up to 100% of the purchase price of your home. Professional Loans Professional mortgage loans allow for financial flexibility and are tailored to licensed doctorate professionals, including attorneys, dentists, pharmacists, doctors and optometrists. Traditional Mortgage Loans Conventional Conventional loans are the most common mortgage financing requested. UMB's conventional mortgage loans are available through two government sponsored enterprises-Fannie Mae and Freddie Mac. Federal Housing Administration (FHA) Loans Federal Housing Administration (FHA) loans are guaranteed by the federal government and offer options for those who do not have the assets to meet the conventional mortgage loan down payment requirements. Jumbo Loans A jumbo mortgage loan has a loan amount that exceeds conventional loan parameters and is designed to accommodate higher-value homes. United States Department of Agriculture (USDA) Loans The Rural Housing Service (RHS) is an administrative division within the U.S. Department of Agriculture (USDA) that manages loan programs focusing on rural housing for lenders to offer to their communities. Veterans Affairs (VA) Loans VA loans are mortgage loans guaranteed by the Department of Veterans Affairs (VA).
At U.S. Bank, our dedicated banking team is here to help you along your financial way. Bank with us and enjoy a host of U.S. Bank products and services, including credit cards, savings and checking accounts, business banking, retirement planning, refinancing, personal lines of credit and more. Whatever your goals - large or small - our dedicated banking team is determined to helping you make it possible. Member FDIC. Equal Housing Lender.
Bank of Labor cares about individuals, small businesses, and the community. You see it in our actions and what we offer. We make sure our products and services go above and beyond, such as our reward program options that can help customers get points toward travel, merchandise, and the perks that other places may not offer to everyone.
Central Bank is a privately held $11.6 billion bank holding-company headquartered in Jefferson City, Missouri. The Central Bank family includes 12 regional banks, Central Trust and Investment Company, Central Mortgage Company, and Central Technology Services. We specialize in community banking, focusing on delivering leading-edge technology with a network of more than 140 branches operating in Missouri, Kansas, Illinois, and Oklahoma; and more than 22,000 ATMs nationwide.
Full-service banking available through both our lobby and drive-thru.
