Loan Programs & Products

Loans for everyone, whether you are a first-time homebuyer, buying a  newer home, building a custom construction home, or refinancing.

At Progressive, we don't think of ourselves as simply bankers. We're more like your local experts who can answer questions, provide advice, brainstorm about what you want and how to get it, and be there to assist you long after your purchase.  Because a home loan is something that you'll live with for a long time, we'll make sure you get one that fits, whether you're a first-time homebuyer or moving up to a larger home.


ARM (Adjustable Rate Mortgage)

These loans typically feature the lowest rates that will adjust periodically over the term of the loan, as well as carry the lowest closing costs.  If you are planning to sell you home sometime during the term of the loan, an ARM is always a great fit.


Unlike most first-time homebuyer programs, with FHA home loans you'll enjoy down payment requirements that are traditionally lower than conventional financing.  Income restrictions do not apply and manufactured homes are eligible with FHA loans.

Rural Development - First-time Homebuyer

This USDA sponsored program is ideal if you're a first-time homebuyer with little or no down payment looking to purchase in "rural defined population service areas." You must also meet certain income requirements. Learn more at Progressive.


Federal veterans' programs provide active duty personnel, reservists and veterans with low closing costs, low down payment and historically low rates. Learn more at your nearest Progressive branch.


Traditional fixed-rate mortgages provide predictability in rate and payments with servicing retain locally at Progressive Ozark Bank. 

All-in-One Construction

Build your dream home with Progressive. Our custom construction all-in-one loans offer construction and permanent financing  to construct a new home or significantly remodel an existing home – all with one application and approval.

*Rural Development -Subject to Agency funding and availability.

*ARM -Annual Percentage Rate (APR) for Variable rate products may increase after consummation. Loan products subject to credit approval. Other terms, conditions, restrictions & fees may apply. Full documentation, title & property insurance required. Flood insurance required if property is located in a Special Flood Hazard Area.

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