Lay down roots for your budding family.
As a community bank right here in Southwest Missouri, we understand the local market and will work to get you a home mortgage loan that fits your budget. Guaranty Bank has a variety of home loan options which include:
- Fixed Rate Mortgages - A mortgage in which the interest rate and payments remain the same for the life of the loan.
- Adjustable Rate Mortgages - A mortgage with an interest rate that is adjusted periodically according to a pre-selected index.
- Jumbo and Super-Jumbo Mortgages - Available with fixed or adjustable rates.
Due to current market volatility, please contact one of our loan officers for the most current rate quote, or call our Home Loan Center at 417.893.3634.
We understand that buying a house is likely the largest financial commitment you'll ever make. Whether it's your first home or your dream home, we're here to help every step of the way.
Program | Interest Rate | APR * | Lock |
Conventional 30-Year Fixed | 6.500% | 6.541% | 30 days |
Conventional 15-Year Fixed | 5.750% | 5.816% | 30 days |
FHA 30-Year Fixed | 6.625% | 7.693% | 30 days |
VA 30-Year Fixed | 6.750% | 7.002% | 30 days |
USDA 30-Year Fixed | 6.875% | 7.475% | 30 days |
Jumbo 30-Year | 6.000% | 6.012% | 30 days |
Jumbo 15-Year | 5.625% | 5.645% | 30 days |
Getting Started
When applying for a home loan, you can speed the application and approval process by bringing along the following information:
- Current drivers license
- Your past two pay stubs
- W-2 forms for the past two years
- Two years tax returns with all schedules
- Bank statements for the past two months
- Statements regarding stocks, bonds, 401(k)s, mutual funds, etc.
- Homeowners Insurance - Agents name phone number
Additional documentation may be required depending on your loan request.
- Competitive rates available for purchasing or refinancing
- Wide range of options and terms:
- Conventional
- FHA
- VA
- USDA Rural Development Loans
- Construction Loans
- JUMBO Loans
- Fixed and adjustable rate options
- Local decision-making
- Free pre-qualification to increase buying power
- On-time closings
- In-house & onsite underwriting
- Personalized service every step of the way
Find more information including rates and an easy application process at the new Guaranty Bank Mortgage Center.
Springfield, Nixa, and Ozark
2006 S. Glenstone Ave., Springfield, MO 65804






Joplin, Carthage and Neosho
3016 McClelland Blvd., Joplin, MO 64804
312 W. Central Avenue, Carthage, MO 64836

Marshfield
1100 Spur Drive, Suite 15, Marshfield, MO 65706

* APR is Annual Percentage Rate. Rates are subject to change without notice and last updated on 11/18/22.
All loans and lines of credit are subject to credit approval and program guideline requirements. Interest rates are subject to change at any time without notification. All interest rates are based on a $250,000 loan for a primary residence purchase, a 30 day lock period, a credit score of 740+, with escrow required and a loan to value (LTV*) of 80%, with the exception of the USDA, FHA and VA loan products which may have different credit score and loan to value requirements. All rates are dependent on individual loan amounts and credit scores. Monthly payment amounts do not include hazard insurance, property taxes or private mortgage insurance premiums. The actual payment obligation will be greater. Other terms and conditions may apply. Jumbo loans start at $647,201+