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Mortgage

Meet our Mortgage Team

Ryan White - Springfield
SVP, Director of Mortgage
NMLS# 488989



Davis Neal - Springfield
SVP, Mortgage Department Manager
NMLS# 712474



Ron Wright - Carthage/Joplin
SVP, Mortgage Lending
NMLS# 142502








Eric Meruelo - Springfield
SVP, Mortgage Lending
NMLS# 201548







































Apply Online   Borrower Portal Login

Residential Mortgage Solutions - Find the Perfect Fit for Your Home

Discover competitive rates, flexible terms, and personalized service for your home financing needs.

At Four States Bank, we understand that purchasing a home is one of the most significant financial decisions you'll make in your lifetime. Our dedicated team of mortgage professionals is committed to helping you find the perfect residential mortgage solution that aligns with your unique financial situation and goals. We offer a wide range of mortgage options, competitive rates, and personalized service to ensure a seamless home mortgage experience.

We leverage the most modern technology to provide you with the tools to navigate the borrowing process but are always available for a personal call or meeting.

Begin your journey toward homeownership with Four States Bank today.

Contact us today to learn more about our residential mortgage options and get started on the path to achieving your homeownership goals.

Frequently Asked Questions

Why Choose Four States Bank for Your Residential Mortgage?

  • Competitive rates: Benefit from our competitive mortgage interest rates to save on your home financing costs.
  • Personalized service: Work with a dedicated mortgage professional who will guide you through the entire process, from application to closing.
  • Local expertise: Trust in our deep understanding of the local real estate market to help you make informed decisions.
  • Online tools and resources: Access helpful mortgage calculators, applying online, and a secure borrower portal allowing you to manage and monitor the loan process, chat with your loan officer and upload documents from any device.

What are the residential mortgage options with Four States Bank?

  • Secondary and In-house mortgage options including Conventional, RD, FHA and VA. 
  • Fixed-rate mortgages: Lock in a consistent interest rate and monthly payment for the life of your loan, providing stability and peace of mind.
  • Adjustable-rate mortgages (ARMs): Take advantage of lower initial interest rates with the potential for changes over time, depending on market conditions.
  • First-time homebuyer programs: Special financing options and assistance programs to help you realize the dream of homeownership.
  • Construction loans: Finance the construction of your custom-built home with flexible terms tailored to your building timeline.
  • Refinancing: Save money on your monthly mortgage payments, shorten your loan term, or access your home equity with our refinancing options.

Who should I contact if I have questions?

Feel free to contact us at 417.423.2265 or email us at mortgage@4sb.com
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