Lay down roots for your budding family. As a community bank right here in Southwest Missouri, we understand the local market and will work to get you a home mortgage loan that fits your budget.





30 Year Fixed (Conventional)

3.875% 0.00% 3.994%

15 Year Fixed (Conventional)

3.250% 0.00% 3.425%

30 Year Fixed (FHA)

3.375% 0.00% 4.211%

30 Year Fixed (USDA-RHS)

3.625% 0.00% 4.067%

30 Year Fixed (VA)

3.375% 0.00% 3.572%

30 Year Fixed (Jumbo)

4.125% 0.00% 4.148%

Find more information including calculators, rates and an easy application process at the Guaranty Bank Mortgage Center.

  • Competitive rates available for purchasing or refinancing
  • Wide range of options and terms: 
    • Conventional
    • FHA
    • VA
    • USDA Rural Development Loans
    • Construction Loans
    • JUMBO Loans (loans of $484,351 or higher)
  • Fixed and adjustable rate options
  • Local decision-making
  • Free pre-qualification to increase buying power
  • On-time closings
  • In-house & onsite underwriting
  • Personalized service every step of the way

Find more information including rates and an easy application process at the Guaranty Bank Mortgage Center.

Meet Our Mortgage Staff

Springfield, Nixa, and Ozark

2144 E. Republic Road, Ste. F200, Springfield, MO 65804


Michael Frerking
SVP - Director of Residential Lending
Office: 417.885.0509
NMLS# 680221


Nigel Templeton
Residential Lender
Office: 417.885.0519
NMLS# 680223
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Wendy McCurdy
Residential Lender
Office: 417.885.0504 
NMLS #559008
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1429 E. 32nd St., Joplin, MO 64804


Sheila Whitehead
Residential Lender/Joplin Area Sales Manager
Office: 417.885.0586
NMLS# 569707
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Jeff Schilling
Residential Lender
Office: 417.885.0573 
NMLS #305449
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Jared Dickey
Residential Lender
Office: 417.659.2203
NMLS #165293
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1100 Spur Drive, Suite 15, Marshfield, MO 65706


Natalie Crawford
Residential Lender
Office: 417.859.7040
NMLS# 628343
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Guaranty Bank strives to be competitive in rates, terms and fees. These rates are based on the following assumption of qualified clients for each program on a $150,000 loan amount for a primary residence, purchase/rate term refinance to "80% Loan to Value LTV means that a 20% down payment or equity required," with escrow required and a qualifying credit score of 740 and above. These rates are standard rates and Guaranty Bank encourages all clients to contact a mortgage lender toll-free at 1.833.875.2492 for a customized or preferred rate opportunity. Please contact Guaranty Bank for Adjustable Rate Mortgage options and terms.

These payments do not include amounts for property taxes and homeowners insurance or private mortgage insurance premiums. The actual payment obligation will be greater.

APR = Annual Percentage Rate

Rates are subject to change without notice. Rates last updated on 06/21/2019.