HNB Bank

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).

First Option Bank, established in 1923, is a trusted community bank in Saint Joseph, MO, dedicated to providing a wide range of banking services to meet the unique needs of its clients. From personal banking options like checking accounts and home loans to business banking solutions including commercial loans and cash management services, First Option Bank is committed to helping individuals and businesses thrive. With a focus on community involvement and customer service, First Option Bank offers a variety of financial services such as trust services, investment services, and insurance services to support the local area. Customers can also benefit from convenient online and mobile banking options, as well as personalized debit card designs that give back to local schools through everyday purchases. Generated from the website

Thanks for doing your part to keep your communities strong. If youve been financially impacted by COVID-19, youre not alone. Stop by one of our U.S. Bank branches in Saint Joseph, Missouri - we are happy to serve you by walk-in, appointment or drive-up. We can be your resource for personal loans, mortgage assistance, credit cards, checking and savings accounts, and more.