Conventional Loan

Conventional loans are available through two government sponsored enterprises—Fannie Mae and Freddie Mac. Conventional is the most common financing requested.

  • Credit scores 620 and up*
  • Max loan amount $766,550
  • 3% down payment*

FHA Loan

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. FHA takes some of the stress for those who are working towards a stronger financial position.

  • Credit scores 580 and up*
  • Max loan amount $498,257
  • 3.5% down payment

VA Loan

VA loans are mortgage loans guaranteed by the Department of Veterans Affairs (VA). VA loans offer long-term financing to eligible American veterans or their surviving spouses who meet certain qualifications.

  • Credit scores 580 and up*
  • Financing for 100% of the appraised value 

USDA/Rural Development Loan

If you're buying a home in a rural community, you may qualify for special financing through the Guaranteed Rural Housing Program.*

  • Credit scores 620 and up*
  • Household income limits based on county in USDA specified area and family size
  • Financing for 100% of the appraised value 

Jumbo Loans

A jumbo mortgage loan has a loan amount that exceeds conventional loan parameters and is designed to accommodate higher-value homes.

  • Credit scores 720 and up*
  • Minimum loan amount $766,551
  • 6 months reserves required

Missouri Bond Loans

A Missouri Bond Loan is a program through the Missouri Housing Development Commission that offers down payment and closing cost assistance or affordable interest rates to those that qualify.

  • Must be purchasing in Missouri
  • Offer First Place and Next Step Loan Programs

Local Heroes Loan Program

Helping those who first help us achieve homeownership: a special program to honor our active and retired military, Fire Department Employees, Hosptial and Medical Employees, and educators.*

  • Minimum of 10% down with no Private Mortgage Insurance
  • 675 credit score and above
  • 3/1 Adjustable-Rate Mortgage
  • Must be a single-family primary residence purchase
  • Must escrow
  • Live within 30 miles of a Guaranty Bank location


*Subject to credit approval and program guidelines. Certain terms, conditions, and restrictions may apply. Terms and conditions are subject to change without notice. Time to closing may vary. See lender for details.