PIONEER MORTGAGE, INC.
Happy Homes Have a Pioneer Mortgage!

  Home    Loan Center    Products    About Us    FAQ    Resources  
Pioneer Mortgage, Inc. offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional - Fixed Rate
Conventional - ARM
FHA
VA
USDA
HARP

Conventional - Fixed Rate

A "traditional" loan for those who want the best rates in the simplest of terms.  Choose between 30, 27, 25, 22, 20, 15, 12, 10 and 8 year options.  Don't have 20% for a downpayment, or in equity?  Ask about our NO MI loans.


Conventional - ARM

All the benefits of a conventional 30-year loan with the added bonus of a lower initial interest rate and a lower monthly payment.  Choose from either a 3-year or 5-year Adjustable Rate Mortgage (ARM).


FHA

Requiring only a 3.5% down payment, this is an ideal option for first-time buyers.  It also provides more flexibility for those carrying a higher debt-load, or who have a few "dings" on their credit.  Available as either a fixed rate or an adjustable rate and in terms ranging from 15 to 30 years. Buying in Columbia (MO)? Combine with a City of Columbia Homeownership Assistance Grant and get a home with NO money down. Already have an FHA loan?  Ask about our Streamline FHA Refinance.


VA

Pioneer Mortgage, Inc. offers this product to the proud men and women who have served our country.  This loan is among the best in the mortgage industry - no downpayment requirement and no mortgage insurance.  This 100% loan is offered exclusively to Veterans and current active members of the U.S. military. 


USDA

An outstanding product for those who want to live outside the city limits.  USDA loans offer 100% financing to homebuyers through the Rural Housing Department.  Properties must be located in an area that is USDA approved.  Contact us to find out if your dream home is eligible.


HARP

We are proud to offer the Home Affordable Refinance Program, or HARP, loan.  Think you lack the equity needed to refinance to a better rate?  Think again.  HARP can help you move to a lower rate even if your home's value is 'underwater'.  And, since it comes in terms of 30, 27, 25, 22, 20, 15, 12, 10, and 8 years, you can get a better payment without sacrificing the years you have already paid on your mortgage.  Call today to see if you qualify!




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.