Explore Home Loans & New Construction Lending
Owning a home helps you build wealth, put down roots and make memories that contribute to your family's story.
West Plains Bank and Trust Company is here to provide the financial support you need to turn your homeownership dream into a reality. We offer a wide range of loan solutions for both existing home purchases and new construction, making it easy and affordable to find a place to call your own.
Whether you're buying your first home, refinancing, or building from the ground up, we offer a wide range of loan options to fit your needs. Visit any of our five locations in Southern Missouri or Northern Arkansas, or click the button below to get started! Let’s take the next step—together.
Find the Right Mortgage for Your Next Move
Conventional Loans
A reliable option with a consistent interest rate and monthly payment for the life of the loan ideal for purchasing a new home or refinancing your existing home
Home Equity Loans
Turn your home’s value into a smart financial resource.
Government Loans
Explore flexible mortgage solutions backed by federal programs designed to make homeownership more accessible
Construction Loans
Build, renovate, or expand with financing designed for your home improvement goals
Contact one of our lenders to learn more
Meet Our Lenders
Mindy Trail
VP/Loan Officer
Meet Mindy
Jeannie Cox
VP/Loan Officer
Meet Jeannie
Lindsay Holden
AVP/Loan Officer
Meet Lindsay
Steve Litty
SVP/Senior Loan Officer
Meet Steve
Cass Johnson
Loan Officer
Meet Cass
Jerry Walker
VP/Senior Loan Officer
Meet Jerry
The Path to Homeownership
What Kind of Resources are Available to Help People Purchase Homes?
West Plains Bank and Trust Company's mortgage lenders care about our communities and keeping them strong. They're here to provide expert guidance every step of the way, ensuring you have all the information you need to make an informed decision that's right for your future and your family.
Among the home buying resources available through West Plains Bank and Trust Company to qualified buyers are:
Down Payment Assistance
For many would-be homebuyers, saving for a down payment can be a big hurdle. We can offer expert advice on saving for your down payment, including programs to help homebuyers reach their ownership goals faster. Our mortgage lenders can explain the various options available and help you determine if you qualify for these programs. From first-time homebuyers to those looking for life on the farm, we're all about helping you find the loan that's right for you.
Mortgage Insurance
Mortgage insurance is a great way for homebuyers to lower their down payment. Basically, it's insurance that repays the lender if you can't make the payments on your loan. By paying a small premium every month, mortgage insurance allows many buyers to secure a home loan with a smaller up-front investment. Our team will help you understand exactly how mortgage insurance works and its benefits. If you decide it's right for you, we’ll help you compare different options and find the best fit for your unique financial situation.