Personal Loans


Home Mortgage

Ozarks Federal offers many different types of home mortgage loans. Whether you are looking to purchase a new home or refinance an existing property, Ozarks Federal has a loan program for you. We offer mortgage loan products on primary residences, second homes, and investment properties. Our lending decisions are made locally and your loan will be serviced locally by Ozarks Federal. You can visit one of our local branches or apply online today on our Consumer Connect mortgage information site. You can get a pre-qualification letter by clicking below and completing the form. 

Pre-Qualify Letter


Construction Loans

Ozarks Federal’s One-timer Construction Loan is a one-time close, which means you pay interest only on funds outstanding during the construction period. Once the home is complete and your 12 month construction period ends, your loan automatically converts to permanent financing with principal and interest payments. This saves you time and money with no refinancing fees or new application process. 

Home Equity Loans

The equity in your home is a valuable asset. These loans can be used to finance home improvements, make major purchases, or consolidate debt. You can choose from a short term fixed rate loan, longer adjustable rate loan, or a revolving line of credit.

Home Equity Line of Credit Loan

A line of credit allows you to use the equity in your home as cash. With a Home Equity Line of Credit, you have funds available to use whenever you need. Ozarks Federal’s Home Equity Line of Credit is a low rate alternative to credit cards. The rate is based off of today’s low prime rate. There has never been a better time to take advantage of the equity in your home.

Bridge Loans

A Bridge Loan allows you to purchase a new home while using the equity in your current home as your down payment. A Bridge Loan gives you the ability to act now and secure that new home in a competitive housing market. You do not have to wait until you sell your home to purchase your new home. Ozarks Federal offers a one-time close and interest only up to 12 months while you work on the sale of your current home. Once you sell your old home, we can pay down your loan with proceeds from the sale of your old home and re-amortize your loan with an affordable payment for you as you settle into your new home.

Land/Lot Loans

For future home construction or recreational use, Ozarks Federal offers loans for land purchases. You can use your land loan in conjunction with Ozarks Federal’s One-timer Construction Loan to save time and money. We also offer loans on land for recreational and investment purposes. We offer longer term amortizations to reduce your payments.


Ozarks Federal offers the traditional government loan products. These products offer low money down alternatives, with 100% financing options for veterans and borrowers in rural areas.

Community Loan Programs

This unique program is designed for skilled essential workers and professionals in our communities. The program offers these individuals low to no money down home loans. This program is available for two categories of eligible borrowers.

For more information on the above product, click this link.

Medical Professionals Loan Program

Medical and Dental Professionals. This new program allows professionals from the Medical and Dental fields to obtain home loan financing with as little as 0-3% down payment.

The program gives Medical and Dental Professionals the ability to obtain financing up to 90 days before the contracted start date of a new job. The program also allows for exemptions on student loan debt, helping more to qualify.

Borrowers who are currently practicing (or who will begin practicing within 90 days of closing) in one of the eligible professions below and meet all program requirements are eligible:

  • Medical resident
  • Medical fellow
  • Medical doctor (MD)
  • Doctor of Dental Surgery (DDS)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Optometry (OD)
  • Doctor of Ophthalmology (MD)
  • Doctor of Podiatric Medicine (DPM)
  • Doctor of Osteopathy (DO)
  • Pharmacist (RPh)*
  • Chiropractor (DC)**
  • Doctor of Veterinarian Medicine (DVM)

* A pharmacist must have a PharmD to be eligible for LTVs > 97%.
** Chiropractors are ineligible for LTVs > 97%.

For more information on the above product, click this link.

Community Heroes

Any employee of one of these organizations may be eligible to obtain home loan financing with as little as 1% down payment.
Borrowers who are currently employed in one of the eligible professions below and meet all program requirements are eligible:

  • Public or private educational institution
  • Fire Department
  • Police Department
  • Nurses (all designations, including a certified nursing assistant [CNA])
  • Emergency Medical Technicians (EMTs) and Paramedics
  • Active or former military personnel can qualify

For more information on the above product, click this link.


ARM Disclosure


HELOC 120/120 Disclosure

Read/Print HELOC 120/120 Disclosure

HELOC 120/180 Disclosure

Read/Print HELOC 120/120 Disclosure

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