We will walk you through every step of the process to help you feel confident in your financial decisions.

Monthly principal and interest payments never change.

Monthly payment may increase or decrease depending on market conditions. ARMs typically have a lower introductory rate.

Government backed loan that offers more flexibility and less stringent qualifications.

Offered to eligible veterans with no down payment or mortgage insurance requirements and lower credit score requirements. Guaranteed by the U.S. Department of Veterans Affairs.

A special type loan that helps homeowners convert the equity in their home to cash.

Loans for homes in rural areas as defined by the U.S. Department of Agriculture. USDA loans typically do not require a down payment and offer fixed rates.

A loan for higher dollar loan amounts, typically with stricter underwriting rules and higher interest rates.


Refinancing can reduce monthly payments, lower the interest rate or convert home equity into cash.

What People Are Saying

“If you are looking for a bank that is going to treat you like a person and not just an account number, Magnolia Bank is the bank for you.”


- Zach and Sarah Leftwich, Homeowners