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  • Refinance rates
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  • Reviews
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Mortgage Loan Officer

Ted Haas

Mortgage Loan Officer

NMLS# 502051

573.368.5661

Reviews on Zillow

Connect with Ted

  • teddy.haas@usbank.com
  • 573.368.5661
  • 573.465.1585

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

  • As a mortgage loan officer right here in Rolla, I work with you to help you find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Rolla with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 573.368.5661.

Service areas include

  • Rolla, MO
  • Salem, MO
  • Saint James, MO
  • Willow Springs, MO

Primary location

500 W 6th St
Rolla, MO 65401

Connect with Ted

  • Emailteddy.haas@usbank.com
  • Call

    573.368.5661

  • Mobile Call

    573.465.1585

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Mortgage rates

Compare rates for a variety of mortgage types.

See mortgage rates

Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

Mortgage calculator

Estimate your total monthly mortgage payment.

Run the numbers

Reviews

See what customers are saying about me.

Read my reviews

Mortgage FAQs

Get answers to common home-buying questions.

Commonly asked questions

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Today’s mortgage rates in Missouri.

The rates below assume a few basic things:

  • You have very good credit (a FICO credit score of 740+)
  • Your loan is for the purchase of a single-family home as your primary residence

Rates are current as of

See rates for other states.

Compare current mortgage rates.

Conventional fixed-rate mortgages

Term Rate APR
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Adjustable rate mortgages

Term Rate APR
10-year ARM
5-year ARM

FHA mortgages

Term Rate APR
30-year fixed - FHA
15-year fixed - FHA

VA mortgages

Term Rate APR
30-year fixed - VA
15-year fixed - VA

Jumbo mortgages

Term Rate APR
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Ted Haas

Mortgage Loan Officer

NMLS# 502051

573.368.5661

  • teddy.haas@usbank.com

  • 573.368.5661

  • 573.465.1585

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Today’s refinance rates in Missouri.

The rates below assume a few basic things:

  • You have very good credit (a FICO credit score of 740+)
  • Your loan is for a single-family home as your primary residence

Rates are current as of

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

Term Rate APR
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Adjustable rate refinance loans

Term Rate APR
10-year ARM
5-year ARM

FHA refinance loans

Term Rate APR
30-year fixed - FHA
15-year fixed - FHA

VA refinance loans

Term Rate APR
30-year fixed - VA
15-year fixed - VA

Jumbo refinance loans

Term Rate APR
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Ted Haas

Mortgage Loan Officer

NMLS# 502051

573.368.5661

  • teddy.haas@usbank.com

  • 573.368.5661

  • 573.465.1585

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Ted Haas

Mortgage Loan Officer

NMLS# 502051

573.368.5661

  • teddy.haas@usbank.com

  • 573.368.5661

  • 573.465.1585

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Ted Haas

Mortgage Loan Officer

NMLS# 502051

573.368.5661

  • teddy.haas@usbank.com

  • 573.368.5661

  • 573.465.1585

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQs

Get answers to your questions regarding home financing, refinancing and more.

Conventional fixed-rate loans

A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.

A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.

Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.

FHA loans

A Federal Housing Administration (FHA) loan is a government-backed loan that’s insured by the Federal Housing Administration. FHA loans typically have lower credit and down payment requirements for qualified home buyers. For example, the minimum required down payment for an FHA loan is only 3.5% of the purchase price.

If you’ve decided a Federal Housing Administration (FHA) loan may be right for you and you meet the general qualifications, including:

  • Down payment amount – FHA loans require a minimum down payment of 3.5%.
  • Credit score – The minimum credit score needed to qualify for a mortgage is generally around 620, however, FHA loans typically have lower credit requirements.
  • Property requirements – The home must be used as your primary residence, should protect the health and safety of the residents and the safety of the property, and should not have physical deficiencies or conditions affecting its structural integrity. An FHA-approved appraiser must appraise the home.

You can start your application on your own, or with the help of your mortgage loan officer, who can work with you to see if you qualify for a FHA loan.

Federal Housing Administration (FHA) loans are available to all qualified buyers, regardless of income level. They often have more flexible lending requirements than conventional loans. All FHA loans require mortgage insurance which protects the lender against any loss if mortgage payments are missed. To learn more about how FHA loans work, speak with your mortgage loan officer.

VA loans

A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.

Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.

Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.

There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:

  • Purchase a home with a VA loan and then sell it to buy another home with a new VA loan.
  • Refinance an existing VA loan into another.
  • Have two VA loans for two different homes at the same time.

For more information on VA loans, speak with your mortgage loan officer.

First-time home buyers

Depending on your home-ownership goals, there are several options for first-time home buyer loans Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to zero down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.

To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:

  • Credit Score
  • Down payment amount
  • Household income limitations

Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans

If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.

Investment property buyers

If you’ve decided to buy an investment property, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and cash reserves. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool . Contact your mortgage loan officer to learn more and see if you qualify.

Interest rates on investment properties are typically higher than a traditional mortgage interest rate. U.S. Bank offers a variety of investment property loans to suit nearly every need. To learn more about real estate investment loans and current investment property loan mortgage rates, contact your mortgage loan officer.

When considering the purchase of investment property, it’s important to do your research before diving in. You should weigh the pros and cons of real estate investing carefully to determine if it’s right for you. Once you’ve decided which characteristics are most important to you for the property, such as type, location, size and amenities, contact your mortgage loan officer to learn more about real estate investment loans and see if you qualify.

Ted Haas

Mortgage Loan Officer

NMLS# 502051

573.368.5661

  • teddy.haas@usbank.com

  • 573.368.5661

  • 573.465.1585

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

Conforming fixed-rate estimated monthly payment and APR example: A $225,000 loan amount with a 30-year term at an interest rate of 3.875% with a down-payment of 20% would result in an estimated principal and interest monthly payment of $1,058.04 over the full term of the loan with an Annual Percentage Rate (APR) of 3.946%.

Estimated monthly payment and APR calculation are based on a down-payment of 20% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Adjustable-rate mortgage (ARM) estimated monthly payment and APR example as of 2/17/2021: A $225,000 loan amount with a 30-year term at an initial interest rate of 3.625% for the first five years with a down-payment of 20% would result in an initial estimated principal and interest monthly payment of $1,026.12 for the first five years with an Annual Percentage Rate (APR) of 3.204%.

Estimated monthly payment and APR calculation are based on an initial fixed-rate period of 5 years that could change in interest rate each subsequent year for the next 25 years of the loan term, a down-payment of 20% and borrower-paid finance charges of 0.862% of the base loan amount. After the 5-year introductory period: the APR is variable and is based upon the current U.S. Treasury bill index plus a margin set by the bank. The APR will vary with a predetermined U.S. Treasury index as published in the Wall Street Journal. Your interest rate will equal the index rate plus the bank’s margin, rounded to the nearest 1/8 percent, unless your interest rate "caps" limit the amount of change in the interest rate. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

The rates shown above are the current rates for a single-family primary residence based on a 60-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To guarantee a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by starting your application online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming Fixed-Rate Loans - Conforming rates are for loan amounts not exceeding $647,200 ($970,800 in AK and HI). Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR.

Conforming ARM Loans - Conforming rates are for loan amounts not exceeding $647,200 ($970,800 in Alaska and Hawaii). Adjustable-rate (ARM) loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR.

Jumbo Loans - Annual Percentage Rate (APR) calculation assumes a $600,000 loan with a 20% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding $647,200 ($970,800 in Alaska and Hawaii).

FHA Loans - Annual Percentage Rate (APR) calculation assumes a $255,290 loan ($250,900 base amount plus $4,390 upfront mortgage insurance premium) with a 3.5% down payment, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

VA Loans - Annual Percentage Rate (APR) calculation assumes a $179,026 loan ($175,001 base amount plus $4,025 VA Funding Fee for first time use) with no down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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