When the mortgage rate is 'fixed' it means that the rate (%) is set for the duration of the term, whereas with a variable mortgage rate, the rate fluctuates with the market interest rate, known as the 'prime rate'. It's your life. For example, a 30-year fixed-rate loan has a term of 30 years. REFINANCE YOUR MORTGAGE . Our local mortgage experts will review your existing mortgage and work closely with you to select the mortgage … Is it time to review your mortgage terms and refinance to a lower rate or shorter-term? Private mortgage insurance (PMI) If you have an adjustable-rate (ARM) or a balloon mortgage, reduced interest rates may make a fixed-rate mortgage more desirable, especially if you want the stability of an interest rate that does not change over time. If you have a long time left on your mortgage, lower interest rates may make it possible to switch to a shorter-term mortgage. Open your new account online in minutes or visit any of our 14 locations in Southwest Missouri. Fixed-rate and adjustable-rate mortgages available. Fees and down payments. We bring you better ways to bank—in person, online or on your phone. Consumer Loan Application. It's your money. Mid-Missouri Bank is building the community bank of the future in the Ozarks today. Our standard low fees. So, for example, if the 5-year fixed mortgage rate is 4%, then you will pay 4% interest throughout the term of the mortgage. BNC National Bank is a Mortgage Company specializing in the following: Home Mortgage Loans, Home Mortgages, Refinancing, and the Best Available Mortgage Rates. Earn more interest automatically with an mBank Indexed Money Market account. Open a new account in minutes online or visit any of our convenient locations in Springfield, Joplin, Nixa, Ozark, Carthage and Neosho. A Fixed-rate mortgage is a home loan with a fixed interest rate for the entire term of the loan. Mobile eBanking and Mobile Business eBanking make it easy to access your accounts on the go. You have better things to do than rate shop. We will be closed on December 24, 2020 at … Sign up and complete a request here to avoid the wait. Learn More . Turn to First Bank for all your financial needs, including personal checking and savings accounts, business checking and savings accounts, mortgages, wealth management, home equity loans & lines of credit, commercial loans, and more. For auto, boat, home equity or other personal loans, please call (866) 952-9523 or visit a nearby branch location for rate information. ATM Locator. Hold times are longer than usual right now. Guaranty Bank is leading the way in community banking in Southwest Missouri. We are your bank. A cash-out refinance has 2 functions: it can be used to lower the interest rate on your mortgage, Mortgage Payment On 179 000 and to simultaneously borrow a large sum from the equity you’ve built up. For home loan rates, please contact a local Mortgage Loan Officer. Mortgage Application. 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