Home Loans

With You For The Moments That Matter: Buying A Home

Click to get a free home loan quote.

Get a Free Home Loan Quote!

Whether you’re in the process of buying a house or you’ve got a great vision for how to remodel your current home, we’re here to help.  Our lenders have expertise in many home loan products. Having a local, community lender guide you through the process makes it a whole lot easier.  We’ll help you choose what loan works best for you, and we’ll assist you with every step.  To help your busy schedule, we’re glad to meet with you on evenings or weekends.

Ready to get started? Request a free Home Loan Quote or fill out our full credit application online.


Choose from a full line of lending products including:

Home Loans

Buying a house is a significant milestone and The Callaway Bank takes pride in guiding you every step of the way. We have had the honor of helping mid-Missourians become homeowners for more than 155 years. We look forward to working with you to find the home loan that makes sense for your needs.

Adjustable Rate Mortgages

Adjustable Rate Mortgages generally mean lower initial interest rates. Interest rates shift with market conditions instead of staying fixed. If selling or refinancing your home is on your radar during the early years of your mortgage, Adjustable Rate Mortgages may be the right fit.

Click here for rates and available terms.

Fixed Rate

Fixed Rate Mortgages allow you to plan and stick with a budget. With this type of mortgage, interest rates, payment amounts, and the duration of the loan remain steady and predictable. No fluctuation, no surprises.

Click here for rates and available terms.



If you are unable to make a large initial down payment, an FHA loan may be for you. These loans are insured by the Federal Housing Administration (FHA) and are popular with first-time home buyers. Talk to one of our home loan lenders to see if you are eligible.

VA Loan*

Federal VA programs allow veterans and their families to reach their homeownership goals. Talk to one of our community lenders to see if you are eligible.

We owe so much to our veterans. In honor of their service, The Callaway Bank wants to give back by waiving the appraisal fee on their home loans up to $1,000!  Click here to learn more.


If you live outside the city limits, you may be eligible for a USDA loan. Our rural neighbors can reach the goal of homeownership with financing from the US Department of Agriculture. Talk to one of our lenders to see if you are eligible.


This can be used for debt consolidation, home improvement projects, and other things where a little extra money would be nice.  (HELOC applications are not available online at this time.  Please contact one of our lenders below or our Customer Care Team for a HELOC application.)

Columbia Area Lenders

Fulton Area Lenders

Ashland Area Lenders


*VA loans apply to any active or honorably discharged member of the United States Army, Navy, Air Force, Marines, Coast Guard and National Guard.

Approved loans are made by The Callaway Bank and do not imply that any loan is made by HUD, FHA, VA, USDA or the US Government.

Serving Mid-Missouri with 8 locations

Bank on it

Fix rate or adjustable home loan photo in the evening.

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