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Home Loans

Your home buying journey begins here. Explore a variety of mortgage products with the benefit of local decision making and competitive rates.
Get Started! Our Mortgage Teams

Our Mortgage Loans

Find the right home loan option based on down payment, loan terms and other circumstances.

Conventional Mortgage Loan

Monthly principal and interest payments repaid over an agreed upon term with a fixed rate.


Lower your interest rate and payment or convert home equity into cash.

VA Loan

Offered to eligible veterans with no down payment or mortgage insurance requirements. Guaranteed by the U.S. Department of Veterans Affairs.

Federal Housing Administration(FHA) Loan

Federal Housing Administration insured loan that offers more flexibility and with less stringent qualifications.

Construction Loan

Offered to buyers with plans to build. Make interest-only payments until construction is complete.


Loans for homes in rural areas as defined by the U.S. Department of Agriculture. USDA loans typically do not require a down payment and offer fixed rates.

Adjustable Rate Mortgage(ARM) Loan

Variable interest rate that may increase or decrease as market conditions fluctuate. ARM loans typically have a lower introductory rate.

Reverse Mortgage

A special type loan that helps homeowners convert the equity in their home to cash.

Additional Information

Working with a lender

Work With A Lender

Our dedication to an excellent customer experience along with our qualified, knowledgeable staff enables Magnolia Bank to provide the personal and trusted service you deserve.

Financial Calculators

Use these free, easy-to-use tools to compare borrowing costs, rates, and terms as you plan for the future.
Magnolia Bank Mortgage Division

Magnolia Bank Mortgage Division

Magnolia Bank’s Mortgage division is one of the top loan originators in the country generating over $2 billion dollars in home loans annually. With locations across the US, we offer quality products and services in all fifty states.