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    • Home Ownership
    • Michele Hicks Full

    • Today's Rates

      The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $120,000 and an estimated property value of $160,000. The property is located in MO and is within Pettis County. The property is an existing single family home and will be used as a primary residence. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. If you request escrows to be waived, your interest rate may be slightly higher. Talk to your loan advisor for details. The rate lock period is 45 days and the assumed credit score is 740. At a 4.000% interest rate, the APR for this loan type is 4.138%. The monthly payment schedule would be 360 payments of $572.90.
      Conventional 30 Year Fixed Rate  4.000%
      APR  4.138%
      The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $120,000 and an estimated property value of $160,000. The property is located in MO and is within Pettis County. The property is an existing single family home and will be used as a primary residence. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. If you request escrows to be waived, your interest rate may be slightly higher. Talk to your loan advisor for details. The rate lock period is 45 days and the assumed credit score is 740. At a 3.750% interest rate, the APR for this loan type is 3.937%. The monthly payment schedule would be 240 payments of $711.47.
      Conventional 20 Year Fixed Rate  3.750%
      APR  3.937%
      The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $120,000 and an estimated property value of $160,000. The property is located in MO and is within Pettis County. The property is an existing single family home and will be used as a primary residence. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. If you request escrows to be waived, your interest rate may be slightly higher. Talk to your loan advisor for details. The rate lock period is 45 days and the assumed credit score is 740. At a 3.500% interest rate, the APR for this loan type is 3.735%. The monthly payment schedule would be 180 payments of $857.86.
      Conventional 15 Year Fixed Rate  3.500%
      APR  3.735%

    • MICHELE'S BIOGRAPHY

    • Michele Hicks, Vice President, has been in banking for 22 years with 18 of those years in the mortgage loan department with Central Bank of Sedalia. Having worked in loan review, loan processing and loan commitments for a title company, Michele brings a wealth of loan experience to Central Bank of Sedalia. She has expert knowledge in the areas of Rural Development, FHA, VA and First-Time Homebuyer loans that not only provides borrowers with loans tailored to fit their needs, but also an anxiety-free process that comes from doing business with someone who can help them understand the loan process.