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Our Location:
1301 Vandiver Dr, Ste O
Columbia, MO 65202
Mailing Address:
PO Box 10199
Columbia, MO 65205
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| Conventional - Fixed Rate |
| Conventional - ARM |
| FHA |
| VA |
| USDA |
| Fannie Mae HomeReady |
| Freddie Mac Home Possible |
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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.
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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).
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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.
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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.
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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.
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Fannie Mae HomeReady
This loan helps to meet the diverse needs of today’s buyers. It is designed for creditworthy, low to moderate income borrowers, with expanded eligibility in designated low income communities. It features strong rates, lower mortgage-insurance premiums, and allows for gift funds to meet the loan's 3% down payment requirement. It is another great option if you also qualify for an FHA loan!
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Freddie Mac Home Possible
Similar to Home Ready, this loan community lending program offering additional flexibility and options to meet a variety of home financing needs. Just a 3% down payment requirement.
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 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 $484,350 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.
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Conventional, FHA
USDA, and VA financing
First Time Home Buyers
Primary Residences
Second Homes
Investment Properties
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