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TOLL FREE
888-725-8042
425 N Main St.
Nixa, MO 65714
(417)725-8042
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| Fixed Rate Loan Products |
| Refinancing your current adjustable loan? |
| First Time Buying? |
| Adjustable Rate Loan |
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Fixed Rate Loan Products
With a fixed rate mortgage, you have a fixed principle payments for the life of the loan. Choose 10, 15, 20, 25, or 30 year terms . It’s a low-risk way to finance your home. There are even 40 & 50 year loans terms available! these loans all come with NO prepayment penalties!!!
Loan programs and information listed is subject to change without notice.
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| Rates | Points | APR |
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| 6.125% | 0% | 6.375% |
| | Can have credit scores as low as 580 for some programs, recent job time and credit performance are factors.
In addition if you have no credit score there are loans available for you. |
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Refinancing your current adjustable loan?
The long terms rates are still very good! If you are at the end of your fixed term on your adjustable rate mortgage now is the time to refinance! LOCK into rate that will not change! Many products are available, and you may qualify to consolidate some bills, or get cash in your pocket at the same time.
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| Rates | Points | APR |
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| 6.375% | 0% | 6.575% |
| | Easy qualifications apply and don't forget that during your loan process, you may be eligible to skip a payment for 45 days! |
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First Time Buying?
Buying your first home is an experience to be remembered. We understand how you feel as you make one of the biggest decisions and purchases of your life. There are several programs designed to suit the needs of first time home buyers, and your loan officer will will help you every step of the way. We treat our first time home buyers with care so your first home buying experience is a good one.
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| Rates | Points | APR |
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| 6.25% | 0% | 6.789% |
| | Programs Vary, Can qualify with no credit, low credit. The options range from 100% financing with no up front cost, to 80%/20% combo loans to avoid MI |
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Adjustable Rate Loan
Add flexibility to your financing with an adjustable rate loan. Typically
ARM terms are 1 year, 3 years, 5 years or 7 years. ARMs can get you into
that larger home by offering a lower payment now and allowing your income
to grow as your payment changes. Some ARMs offer interest only payments.
With an ARM, your payments may increase or decrease on a regular set
schedule. Initial payments might start out lower in the beginning of your
loan period, allowing you to qualify for a larger mortgage amount and
lowering your first payments when you are getting started and need extra
cash. Each ARM program is linked to a specific stated index and
margin. Spalding Financial can answer all your ARM questions.
*Loan programs and information listed is subject to change without notice.
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $3,000. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $5,000,000 with closing costs of $50,000. Your actual APR may be different depending upon these factors.
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