Houston Home Loan Products

Houston Branch
1473 S Sam Houston Blvd
Houston, MO 65483
(417) 505-5110
Fax: (417) 967-7103
Lobby Hours:
Monday - Friday 9 a.m. - 5 p.m.
Saturday 9 a.m. - Noon

Drive-up Hours:
Monday - Friday 8 a.m. - 6 p.m.
Saturday 9 a.m. - Noon

Self-service coin machine during lobby hours.
ATM 24 hours a day
All loan services available

Home Mortgage & Personal Loans in Houston

Home Loans

Our Houston Branch serves the needs of residents in Houston, Mo., and the surrounding area. We want to help you secure your dream house with flexible home loans that can be tailored to fit your individual needs. Are you a first-time buyer in need of one of our home loans? Are you ready to take the next step toward a home mortgage? Are you exploring home loans for construction purposes or to renovate your house? Are you curious about a home equity line of credit? No matter what types of home loans you’re interested in, we can customize a loan product to fit your specific needs or home mortgage.

We Can Provide:

  • Home Loans
  • Construction Loans
  • A Home Equity Line of Credit
  • Consumer Loans
  • Much more!

If you’re ready to learn more about our home loans or start the home mortgage process, our team of local, friendly professionals is here to help you each and every step of the way. We can’t wait to see you succeed! How much can you afford? We’ll help you understand our qualifications for home loans and figure out exactly which types of home loans would work best for you. All our home loans are completed by our local, experienced lenders. Whether you are a first-time home buyer diving into the home mortgage process, have an existing home loan you’d like to refinance, or   are looking to renovate the house you currently live in, we have great rates and a variety of home loans to meet your home mortgage needs.

Visit YouTube to view our five-part series on becoming a home owner.

Apply Now for a Home Loan

Home Equity Line of Credit

Are you looking to buy a car, renovate your house, pay off student loans or start a new project? Let us help you put the equity in your home to work for you with a home equity line of credit. A home equity line of credit (HELOC) allows you to borrow, spend and repay money against the equity you’ve already built in your house. Your home is used as collateral, and you make monthly payments with interest only on the amount you’ve borrowed (similar to a credit card). A home equity line of credit is also flexible, as it allows you to borrow as much or as little as you need at any given time. If you’d enjoy the flexibility of a revolving line of credit, a home equity line of credit would be a great option for you. If you’d prefer one large lump sum all at once, a home equity loan (also called a second mortgage) might be a better   choice than a home equity line of credit.

One of the most exciting things about a home equity line of credit is the fact that you can use the money for anything you need, from debt consolidation to home renovation projects. Our home loans offer low monthly payments and the option to use the funds over and over again as you pay back principal.

Apply for a Home Equity Line of Credit

Our Houston lending team is led by Curt Hugenot. He brings a wealth of experience and expertise to our bank. Apply online or call 417-505-5110 and make an appointment to discuss a home equity line of credit or other home loans that can meet your unique needs. You will be matched with a member of our lending team who will get the job done – Jeannie Cox, Mindy Trail, and Lindsay Holden.  

We’re proud to serve you and the Houston community.

At West Plains Bank and Trust Company in Houston, we value the communities we serve. We are dedicated to making them financially stronger and healthier at every level. Providing local businesses and individuals with helpful banking that makes sense for them is just the beginning.

As members of the Houston community, our employees understand our customers are more than clients—you’re neighbors. We take the time to listen first, and then apply our years of banking experience to find the best services and products to support your goals. Our Houston branch proudly supports the community and finds opportunities to give back through participation in local charities and events.

Ready, set, renovate with one of our home loans! If you’re ready to dive in and discuss our home loans or a home equity line of credit, apply online or contact our team today to get started. We look forward to hearing from you and taking the stress out of the home mortgage process.