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Loans

Mortgages

Residential Real Estate – Primary Residence

Flexible options include:

• One-year adjustable rate mortgage, adjusting annually*
• Two-year adjustable rate mortgage, adjusting every 2 years*
• Three-year adjustable rate mortgage, adjusting every 3 years*
  *(Rates adjusted with the Eleventh District Cost of Funds Index.)
• Fixed-For-Five hybrid**
  **(This option is fixed for the first five years, then adjusting annually
  using the Treasury Bill Index.)

Great service means great value

• We do our own appraisals
• We close our own loans in our building
• We do not sell our mortgage loans
• We do our own servicing, just a phone call or personal visit away
• Free escrow accounts, insurance and real estate taxes may be included in regular monthly installments

No hidden costs means great value

• No appraisal fee
• No origination fee
• No application fee
• No courier fee

Make your loan payment online 7 days a week, 24 hours a day, 365 days a year from:

• Your Ozarks Federal checking account
• Your Ozarks Federal money market account
• Your Ozarks Federal statement savings account

Non-owner Occupied and Secondary Residential

• One-year adjustable rate mortgage, adjusting annually
• Tied to the Treasury Bill Index
• Easy access to your account from any computer with internet connections
• Confirm balances anytime using our Anytime Teller Line, 24-hour telephone access

Commercial Property

• Rates and terms set by the loan committee
• Loan approval within one week

Home Equity Line of Credit

• Easily available utilizing equity in primary residence
• Maximum terms of 10 years
• Rate of Wall Street Prime with loan-to-value ratio of 80% or less
• Rate of Wall Street Prime + one percent with loan-to-value ratio up to 90%
• Simple disbursements using special check book
• Transfer cash from credit line to Ozarks Federal checking, online, anytime
   

Consumer Loans

• Fixed Rate Home Improvement Loans
• Fixed Rate Consumer Loans
• Consolidate credit card debt and other bills
• Purchase cars, trucks, boats, furniture, swimming pool, or college education
• Make loan payments from your Ozarks Federal accounts online, anytime