Mortgage Loans

UMB. The home of home mortgages.

Whether you are planning to purchase your first or next home, or are looking to refinance your current home, we’re here to help with all types of mortgage loans.

Find a Mortgage Professional and Apply

Mortgage Loans

UMB. The home of home mortgages.

Whether you are planning to purchase your first or next home, or are looking to refinance your current home, we’re here to help with all types of mortgage loans.

Find a Mortgage Professional and Apply

Exceptional service

UMB takes great pride in delivering unparalleled customer service. Our Mortgage Loan Originators and Community Mortgage Bankers are here to do everything they can to support your home buying or refinance experience.

Diverse options

We offer a variety of home mortgage loan products. Tell us about your unique situation and our experienced Mortgage Loan Originators and Community Mortgage Bankers will provide you options that will fit your needs.

Online application

Quickly and easily apply for your UMB mortgage loan online and on your time.

Mortgage loan checklist

Whether you’re purchasing a new home or refinancing your existing home, the loan application process can seem like an intimidating task. However, UMB is here to help. Use our Mortgage Loan Checklist to gather the necessary documents ahead of time and help you move smoothly through the application process.


Homeownership Resources

Read our helpful blogs that span topics from first time home buyer tips to mortgage refinancing.

Mortgage Calculators

Use our mortgage calculators to help determine how much house you can afford, if refinancing your current mortgage is a good option and more.

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Types of Mortgage Loans

Buying a home is one of the largest purchases you may make in your lifetime.
That’s why it’s important to fully understand your mortgage loan options before signing on the dotted line.



Specialty Loans

First-Time Homebuyer Grant and Down Payment Assistance Programs

UMB offers two programs to assist qualifying first-time home buyers achieve their dreams of homeownership. The bank can help you with your down payment and closing costs through grants that do not require repayment. We also offer down payment assistance mortgages that allow you to borrow up to 100% of the purchase price of your home.

There are income, location, and other restrictions for these programs – contact a UMB Mortgage Professional for more information.

Professional Loans

Professional mortgage loans allow for financial flexibility and are tailored to licensed doctorate professionals, including attorneys, dentists, pharmacists, doctors and optometrists.

Additional Mortgage Options

Conventional

Conventional loans are available through two government sponsored enterprises—Fannie Mae and Freddie Mac. Conventional loans are now available with only 3% down payment and private mortgage insurance would apply for down payments less than 20%. Conventional is the most common financing requested.

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. FHA loans also have more flexible qualification requirements, which make them attractive to those who may not qualify for conventional mortgages.

Veterans Affairs (VA) Loans

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.

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. USDA loans offer assistance to low-income borrowers in rural areas and guarantees loans that meet RHS requirements.

Amortization Options

Fixed-rate Mortgage

With a fixed-rate mortgage, your loan terms will include an interest rate that remains static, or fixed, for the duration of the loan. The advantage of a fixed interest rate mortgage loan is that you will always know your principal and interest payment will not change (escrowed items such as taxes and insurance may change annually therefore the total payment may change). 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

An adjustable-rate mortgage (ARM) loan is exactly as it sounds: a type of mortgage loan with an interest rate that can fluctuate and change based on the current market and indexed rates. ARM Loans generally offer lower initial rates and monthly payments when compared to fixed rate products. The lower rates on ARM loans appeal to borrowers who anticipate rising personal incomes as they are prepared to handle potential rate increases.



All home loans are subject to credit and property approval. Not all loan types are available in all states or for all amounts. Other restrictions and limitations apply. Please contact a UMB Mortgage Loan Originator or Community Mortgage Banker for more information.

Tackle your next project with a UMB home equity line of credit.

Learn more

Find out how much you can afford with our mortgage calculators.

Explore our mortgage calculators