Contact Us Today!
info@usa-mortgage.com

The Home of Possibility™


Get Pre-Qualified!

With No.1 Mortgage Lender in Missouri

Accredited Mortgage Lender - Apply for Home Loan, and receive lowest Refinance Mortgage rates today in Columbia Missouri

Home Loan Programs


Still wondering what type of loan program is right for you?

View Home Loan Options

Google Reviews

We worked with Michael At USA Mortgage after trying to refinance with a different company. It was a night and day difference. Michael looked at the issue we were having with the previous company and thought of a solution instead of just saying oh well like the previous company did. He knows his stuff and I would not hesitate again to do business... with him. Keep up the great work!!!read more
Quentin Bell
Justin Lackey with USA Mortgage is top notch! Justin went above and beyond to help me with my home buying experience. He communicated things effectively and easily. He also helped explain all aspects of the home buying process since this was my first time. We are able to close exactly on the set date with no worries or anxiety. Working with him... was more than a pleasure. I would STRONGLY recommend Justin Lackey to anyone that is interested in a loan!read more
Dillon Shoemaker
Michael was attentive, extremely knowledgeable, and upfront. He kept me appraised throughout the process. There were some challenges on time, but Mike worked it out and it all came together without a hitch. He was an indispensable resource on all the "little" nuances of home buying. My family could not have made a better choice!!!!!!!!!
Cedric Lakes
Dylan Morgret truly takes the time to make sure that you feel knowledgable about everything regarding your loan. He is very responsive and always willing to answer any questions that you have. He makes sure that you feel comfortable navigating the water of purchasing your first home which takes so much stress out of the process. Dylan is a class... act and I would recommend him to anyone looking to purchase a home or refinance.read more
Cameron Aho
USA Mortgage was amazing to work with throughout my loan process, especially Justin!! He was just absolutely amazing. Very informative, enthusiastic and motivational! Made sure I knew everything that was going on, always stayed in touch with updates and if I had any questions at all he was very knowledgeable, honest and if he wasn’t quite sure... about something, he would get me the answers extremely fast! I seriously couldn’t have asked for anyone better to work with when it came to Justin and USA Mortgage.read more
Steven Sedgwick
Mike worked with my wife an I for over a year putting offers on multiple properties and many ups and downs. When we finally got the right house the loan process was like butter. Mike made everything easy. He clearly communicated what steps were next and where we were in the process. I will be using him in the future for more properties
Devin Perkins
Michael was very helpful and attentive throughout my entire mortgage refinancing process. He was available anytime I had questions or concerns and I greatly appreciated him always taking the extra time required to explain things to me in a way that I would understand. I felt like he truly cared about getting me the best interest rate possible and... he went above and beyond to secure that rate for me! The other team members including Ian and Spencer were very helpful as well. A huge thanks to all! This team is highly recommended!read more
Dominique Cartee
My husband and I loved working with the team!! They were very patient and understanding with us with all our questions we had. Explaining it in ways we can understand as this was our first time buying a home. We will definitely use them again, if we go to purchase again.
Ashley Buckley
My new conventional loan was with loan officer Mike Vanella at USA Mortgage. He is an honest and hardworking loan officer, always willing to answer questions at all hours & days(including weekends). Mike gave me updates along the way to make sure I was informed. Even when I thought things did not look too good, he was always working his magic in... the background. I have been told, and I would agree Mike is the man that can! Thank you, Mike, for making what looked like the impossible - possible.read more
Caleb Wilson
Michael Vanella always does a wonderful job helping his clients throughout the home loan process. He strives to look at the borrower's full lending history to see what existing loans can be refinanced or consolidated in order to get people into the homes of their dreams. What once was an unattainable home, now fits perfectly into the monthly... budget.read more
Adam Fox

USA Mortgage - Columbia Mo Branch

Our mission is the unrelenting pursuit of perfection. We pride ourselves on the lending excellence service level that we provide. USA Mortgage is a full service mortgage lender. We will see you through all aspects of the loan process, from the time you meet one of our mortgage brokers to the day you sit at the closing table. And ultimately fund your loan with its own money—no waiting for the corporate bigwigs halfway across the country to cut your check! To borrowers and Realtors©, being a mortgage lender means you can expect a home financing experience free of hassles. Complete control means having in-house operations such as processing, underwriting, closing, and funding. As our underwriters are reviewing the files, they may require additional info. The housing market is changing quickly, and this will add more guidelines and new documents to our lending department. We will be in touch with you regarding these conditions required. The goal is to get these back to the underwriting ASAP.



USA Mortgage office - Home Loans source in Columbia Missouri - Try our Refinance Calculator for today's interest rates



USA Mortgage Home Loans


USA Mortgage is a local mortgage lender in Columbia, MO. We offer a large line of home loans such as FHA, USDA, MHDC, and VA loans with competitive rates. Here at USA Mortgage Columbia, Missouri branch, we follow a very organized and stable system to achieve the best results for you. We have created a routine on every file to be very efficient and accurate for your benefit.

We don’t hold normal lender’s hours because we understand our clients have busy lives and schedules to maintain. One of our licensed mortgage brokers will always be available on weekends and after hours to assist you with all your needs.

There are many options out there for home financing. Our number one goal and priority is to find the best options and direction that fits your financial goals. Even if you don’t qualify at the time of application, we make sure to advise with the right steps to take.

Buying a home is one of the most important purchases of our client’s lives, so we streamline the process to offer the lowest mortgage rates possible in the state of Missouri. Also, provide the best terms and fees to save you money short and long term.

USA Mortgage Home Loans Brochure; Mortgage Process and Loan Programs in Missouri

Check out our free informational download. This download is full of useful information such as mortgage termanology and loan summaries. You can even print it out!

Download Brochure


We don’t hold normal lender’s hours because we understand our clients have busy lives and schedules to maintain. One of our licensed mortgage brokers will always be available on weekends and after hours to assist you with all your needs.


There are many options out there for home financing. Our number one goal and priority is to find the best options and direction that fits your financial goals. Even if you don’t qualify at the time of application, we make sure to advise with the right steps to take.


Buying a home is one of the most important purchases of our client’s lives, so we streamline the process to offer the lowest mortgage rates possible in the state of Missouri. Also, provide the best terms and fees to save you money short and long term.


Learn about the Mortgage Process and Programs in Columbia MO

Check out our free informational download. This download is full of useful information such as mortgage termanology and loan summaries. You can even print it out!

Download Brochure

Ready to get started? We are ready when you are.

What's New?


Conforming Loan Limit Increase for 2021

Each year, the Federal Housing Finance Agency (FHFA) sets new baseline loan limits for various types of home loans to reflect the average home price in the U.S. Conventional loans, also known as conforming loans, are guaranteed by Fannie Mae and Freddie Mac and make up most of the loans in the U.S. As you…

Continue Reading

Second Homes vs. Investment Property

When taking out a mortgage loan, there are several different categories that the loan falls under, depending on what you intend to do with the home understanding the mortgage process will help you navigate the purchase of your second home or investment property easier. For a home that you intend to live in as your…

Continue Reading

The Cost to Refinance my Mortgage

The Cost to Refinance my Mortgage The cost to refinance a mortgage depends on all sorts of factors, including, but not limited to: the loan program, loan amount, loan term, location of the home, credit score, loan-to-value, debt-to-income, and current market conditions. So when you ask yourself, should I refinance my Mortgage, you will want…

Continue Reading

Contact Us