Finding the right mortgage lenders in Missouri is a critical first step toward owning your home. Whether you are looking for a historic brick home in St. Louis, a modern suburban retreat in Kansas City, or a quiet property in the Ozarks, Metropolitan Mortgage provides the local expertise and personalized service you need to close with confidence.
Stay ahead of the market with the best mortgage rates kansas city. Here are today’s highlights:
Rates shown are for illustrative purposes only and assume excellent credit (740+ FICO), 20% down payment, 0 points, single-family primary residence. Actual rates vary. NMLS #227722 | Equal Housing Lender
The 2026 Missouri housing market is entering a phase of stability, with rates forecast to settle in the 6.0% to 6.4% range. While national trends provide a baseline, Missouri-specific factors—like property tax variations in Jackson County and rural development incentives—can impact your monthly payment.
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Market Stability: Homes in major Missouri metros are averaging 42–49 days on the market, offering a more balanced intentional environment for buyers.
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Predictable Budgeting: A stable rate environment makes it easier for Missouri families to plan their next move without the volatility of previous years.
Home Loan Programs for Missouri Borrowers
As a leading Missouri mortgage lender, we offer a full suite of loan products designed for the diverse needs of our residents:
Conventional Loan
As low as 3% down · Best rates · Flexible terms
Best Rates & TermsJumbo Loan
Financing above conforming limits · Luxury & high-value homes
For Loans Over $832,750VA Loan
0% down · No PMI · For veterans & active-duty military
Veterans & MilitaryUSDA Loan
0% down · Rural & suburban properties · Low rates
0% Down · Rural AreasHome Equity Loan
Tap your equity for renovations, payoff debts, or major expenses
Use Home EquityBank Statement Loan
Self-employed? Use bank statements instead of tax returns
Self-Employed FriendlyDSCR Loan
Investor loans based on property cash flow · No personal income
Investor FocusedHomeReady Loan
3% down · Income flexibility · First-time buyer friendly
Low Down PaymentBridge Loan
Short-term financing to “bridge” the gap when buying before selling
Short-Term FinancingFirst Time Home Buyers
Low down payment loan programs for fist time buyers
First-Time BuyersSelf-employed Borrowers
Bank statement loans · No tax returns needed · Fast & flexible
Self-EmployedInvestment Property
DSCR loans · 15-25% down · Based on rental income, not personal income
Investment PropertiesWhy Choose Metropolitan as Your Missouri Lender?
Unlike national "big-box" banks, we live and work where you do. We understand that a mortgage isn't just a loan; it's a piece of your financial future in Missouri.
Local Appraisals
We work with appraisers who know Missouri neighborhoods, ensuring your home value is assessed accurately.
In-House Processing
Our team handles your loan from application to funding, meaning faster closing times and fewer headaches.
Custom Solutions
We don't believe in one-size-fits-all. We find the loan that fits your budget and long-term goals.
Serving All of Missouri: From St. Louis to Springfield
While we serve the entire state, we have deep expertise in these key Missouri markets:
St. Louis & St. Charles
Expert lending for historic neighborhoods and fast-growing suburban hubs.
Kansas City, MO
Deep knowledge of the Jackson, Clay, and Platte County real estate markets.
Springfield
Specialized solutions for the vibrant hub of Southwest Missouri.
Columbia & Jefferson City
Financing options tailored for university staff and state employees.
Missouri Mortgage FAQ
Q. Does Missouri have first-time homebuyer grants?
Yes. The MHDC First Place program offers qualified Missouri buyers a 4% forgivable second mortgage to cover down payments and closing costs.
Q. What is the minimum credit score for a mortgage in Missouri?
Standard FHA loans in Missouri require a 580 score, while Conventional loans typically require a 620. Some specialized MHDC programs may require a 640 minimum.
Q. What are the average closing costs in Missouri?
Closing costs in Missouri generally range from 2% to 5% of the purchase price, covering appraisals, title insurance, and origination fees.
Ready to Start Your Missouri Home Loan?
Don’t leave your mortgage to chance. Work with a team that knows Missouri inside and out.
Get Pre-Approved Now →