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Missouri

Are you a first-time home buyer in Missouri looking for an ideal property to settle in? If so, you must explore first-time home buyer programs in Missouri. Well, Total Mortgage is at your disposal to give you insights into the mortgage landscape of the Show-Me State. We are your dependable partner in finding the best mortgage options in the state that match your needs. With the guidance of the Total Mortgage team, you can get financial help through various down payment assistance programs in Missouri while saving your hard-earned money on monthly installments by securing the mortgage at the lowest interest rates. Contact us now to learn more!

Missouri mortgage rates today

The current 30-year fixed rate mortgage is as low as 6%.

Rate

6.000%

APR 6.462%

Est. Monthly Payment

$2158.38

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Rate

5.125%

APR 5.870%

Est. Monthly Payment

$2870.35

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Rate

5.625%

APR 6.595%

Est. Monthly Payment

$2257.73

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Rate

5.500%

APR 6.066%

Est. Monthly Payment

$2069.59

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Rate

5.375%

APR 6.670%

Est. Monthly Payment

$2015.90

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Last updated: September 6th 2025, 4:30pm EST. The above rates are current as of September 7th 2025, 8:26pm EST. The table is updated twice every day with the current mortgage rates.

Missouri Mortgage Rates FAQs

What is the average mortgage rate in Missouri?

The lenders levy mortgage rates in Missouri on both home loans & refinances of residential properties. These changing rates dramatically influence the total cost of borrowing. 

 

What are the current mortgage rates in Missouri?

 

For the current mortgage rates in Missouri, inspect the listed options above. We update our records twice daily, assuring our users receive the best insight into today's quickly changing mortgage landscape.

How do Missouri interest rates affect mortgages in the state?

 

Diversifying mortgage rates in Missouri covers the property purchasing fee. When rates rise dramatically, the monthly rate also increases, and the entire cost to acquire a home will increase; when they fall, the possibility of buying a house may be more attractive to Missourians.

Where can Missouri residents find the best mortgage rates?

 

To get a reasonable Missouri mortgage rate today, residents must compare charges, APR, and monthly installments on the outputs cited. They must also consider qualification requirements and additional costs before making a well-informed decision.

How can Missouri borrowers lock in a favorable home interest rate?

 

You should talk to the loan office about locking your charges to get the best home mortgage rate when buying a house in Missouri. Make a locking agreement as quickly as possible so the current rates are locked in for a certain time. Interest rates are a way for you to secure yourself against future rate changes.

How does the Missouri real estate market impact mortgage rates?

 

Factors in Missouri's real estate market that affect the mortgage rates include the level of demand for real estate, the economic state, and the rates of existing local properties in the region.

How do property taxes and insurance costs in MA influence mortgage affordability?

 

In Missouri, property taxes and insurance will affect your calculations. Borrowers must budget for these recurring costs and evaluate them when assessing a mortgage decision. You can use our innovative mortgage calculator to determine the impact of taxes & insurance on the future years of ownership.

What are the current VA mortgage rates available in Missouri?

 

Missouri residents who can secure VA loans are welcome to look at the current rates in the table. For additional information on VA lenders and your loan choice, send them an application or contact Total Mortgage today.

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Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.