Affordable financing with expert support.
Feel right at home with flexible options including fixed-rate loans, adjustable-rate mortgages, and special programs like VA, USDA, and FHA loans. Refinancing your home loan may help you consolidate debt, lower your monthly payments, or improve your loan with a better rate and term.
Options
Choose which type of loan (there are a lot) is best and makes the most sense for you.
Residential Lenders
Always knowledgeable, always helpful, great guides when it comes to all that paperwork.
Calculate
Use our Mortgage Qualifier or Mortgage Payoff calculators to figure out what your payment might be for a specific loan.
It's more than just a house. It's a home.
From holiday dinners to lazy Sunday mornings, your home is where it all happens. Start the application process right here or contact a lender today. We're ready when you are.
Rates are current as of 4/2/2026 at 10:03 AM. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate and an estimated total for points and other finance charges and fees. For specific details please contact your Great Southern Residential Lender. Points are a one-time charge assessed at your loan closing. Each point equals one percent of your loan amount. Paying points may result in a lower or discounted interest rate.
Some of our home loan options like VA, FHA, and USDA include specific requirements and qualifications. Your Great Southern Residential Lender can help you determine if you are or the property you are interested in purchasing is eligible for these programs. All payment examples provided below do not include taxes and insurance premiums. All loans are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Great Southern Bank is not an agent or affiliate of any government agency.
1) Conventional, FHA, USDA/Rural Housing, & VA (All 30 Year Fixed Rates)
Rate shown assumes: Conforming loan amounts of $160,000; Single family residence; Down payment of 25%; Debt-to-Income Ratio of 40% or less, Mortgage rate lock period of 45 days; Customer profile with excellent credit.
For example: a 30-year fixed rate loan of $160,000 at 4.50% will have principal and interest of $811 per month.
2) Conventional 15 Year Fixed
Rate shown assumes: Conforming loan amounts of $160,000; Single family residence; Down payment of 25%; Debt-to-Income Ratio of 40% or less, Mortgage rate lock period of 45 days; Customer profile with excellent credit.
For example: a 15-year fixed rate loan of $160,000 at 4.50% will have principal and interest of $1,224 per month.
3) Construction Only Loans
Rate shown assumes: Conforming loan amounts of $160,000; Single family residence; Down payment of 25%; Debt-to-Income Ratio of 40% or less, Mortgage rate lock period of 45 days; Customer profile with excellent credit.
For example: Fully funded loan amount of $160,000 at 4.250% will have an interest only payment of $566.67 per month for 11 months and a final balloon payment of $160,000 in the 12th month, at such time you will be responsible for refinancing your loan into a permanent loan. Balloon Payment is a repayment of the outstanding principal sum made at the end of a loan period.
