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

I was very pleased with my experience at USA Mortgage. My loan officer and his staff were incredibly helpful throughout the whole process. They went above and beyond to ensure I was taken care of every step of the way. I highly recommend USA Mortgage to anyone looking to buy your future home!
Emily Connon
19:12 21 Dec 17
Robert Peery gave me courteous service and helpful advice throughout the mortgage lending process. I was approved for a mortgage refinance loan on my condominium and also a mortgage loan on a new home at a lower interest rate than I was paying before. Thank you USA Mortgage for making the second home that I bought a really pleasant experience. I enjoyed working with my real estate agent Patty, too.
Pierre Young
17:24 21 Jan 18
Michael and Dana went above and beyond for my family. They made the purchase of our first house happen even after being turned away from other lenders. Quick to respond to any questions even after business hours. I can never thank them enough. Highly recommended!!
Lindsie Neeley
14:34 03 Jan 18
Justin Lackey with USA Mortgage in Columbia, MO was great to work with on financing a new house for us. Great customer service and very knowledgeable about the whole process. He made it fast and easy. We have not found our perfect house yet but Justin has been very patient with us and has answered all of our questions. I would not hesitate to refer him to all of our family and friends.
Lori Lackey
15:30 20 Jun 18
Working with Michael at USA Mortgage has been a great experience. He answered our questions in a timely manner day or night and helped calm our fears during the ho e purchasing process. I would recommend him and USA Mortgage 100% to anyone who is looking for any of their home financing needs.
Melissa Hardaway
23:36 28 Jul 18
Justin Lackey was extremely easy to work with. He shows a great level of compassion. He is extremely personable and professional. I would recommend him for a first time home buyer or anyone who has any mortgage needs. Top notch professional!!!!
Leesa Chrisco
00:33 24 Aug 18
Casey worked with us every step of the way. Was great at explaining the whole process to us and our best options. He always got back to us with a text or a call very quickly. I wasn’t even sure I was able to get a house. But after talking with Casey I was able to get my credit score to jump 150 points in three months. Enabling us to get a FHA loan.
Jesse Opel
22:19 13 Mar 19
We recently purchased a new home and worked with Patricia Bonuchi. She was great to work with! She made us feel comfortable in asking any questions we had. She went above and beyond for us coming to our work or home to get things signed or to have a quick meeting with us to explain the process. Patricia is knowledgeable, helpful and efficient. She was an invaluable asset to our home buying process. Go see Patricia!
Laversa Siebuhr
14:45 31 Aug 18
Jim was great to work with! He really made the home buying experience easy. He was very quick with keeping me up to date on everything and letting me know what needed done so I could close on time. He made the whole home buying experience very pleasant!
Sierra Crawford
13:26 08 Oct 18
I was pretty clueless about the home buying process as a first time home buyer. Justin Lackey with USA Mortgage in Columbia answered all of my questions and put my mind at ease! He has fantastic communication skills and consistently kept me updated on the progress of my home loan. He is a very nice, friendly person to work with. He even assured me he would continue to help and answer questions about my conventional home loan after we had closed on the home. I would recommend him to anyone looking for a home loan!
Kaitlyn Gebhard
18:38 19 Apr 19
Casey was great. My wife and I were first-time home buyers, and Casey made the process easy and painless. He answered our endless questions throughout all times of the day, and he always kept us updated throughout the process. We will definitely refer Casey to everyone we know!
Calin Adams
13:46 30 Apr 19
Michael was fantastic to work with! He was always available via text, call, or email to answer any of our questions and if he didn't know the answer, he would find out in a timely manner. Being a first time home buyer is intimidating and Michael made this process a breeze. I would definitely recommend him and his coworkers to any friends or family of mine!
Rachel Dickey
01:57 28 Feb 19
We used Michael Vanella with USA Mortgage for our conventional home loan. Mike kept us very well informed throughout the process. He answered every question I had promptly. I really felt like he had our best interest in mind. The process was very easy, as well. I am a very happy customer!
Lesley C
01:27 21 Aug 19
Justin Lackey and Kelly George did a great job walking us through the home buying process. They were very informative and helpful throughout the entirety of the loan process. Justin truly cares about what is best for each individual that is applying for a loan through him. Justin and Kelly made the home loan process as efficient and smooth as possible.
Benjamin Burgett
20:10 21 May 19
Justin Lackey is great to work with! He made our first time home buying process as smooth as possible. He was always able to answer our questions and ensured everything was done right and on time! I would definitely recommend Justin Lackey and his team at USA Mortgage to anyone who needs a lender!Thanks so much for everything!!Rachal & Drew Owens
Rachal Burton
02:29 23 Sep 19
Where do I start? Casey’s diligence on my file was more than thorough and the results show. A very honest and hardworking agent that will guide you step by step throughout the process. His work is impressive. Anybody shopping for a mortgage needs to stop here. The level of customer service and caliber of work exceed the expectations.
Wesley Storrs
23:34 02 Jul 19
I just wanted to say how amazing Justin Lackey was when I wanted to buy a home. He walked me through all the loan types and answered any questions I had. He stayed on top of things, and was very easy to get ahold of. I highly recommend him. I really appreciate all he did for me.
Christine Burton
22:11 18 Sep 19
Michael Vanella is professional, market savvy and reliable. He was on top of giving me updates and honest about what to expect in the mortgage process. His passion for the industry is made clear by the hard work he puts into finding the best rates. 10/10 would recommend for a first time home buyer with lot of questions and anyone who needs help with the endless amounts of tedious paperwork.
Sarah Beattie
20:20 13 Feb 20
Very knowledgeable and friendly. Justin was amazing at his job and always had the answer to what we needed next and got us over hurdles effortlessly. I would recommend him and USA mortgage to anyone looking for their service
david jones
13:03 01 Jan 20
Michael is knowledgeable, experienced and shared information without pressuring us to make a commitment before we were ready. We spoke with him approximately 6 months before applying. He remembered us when we set our appointment to apply for our loan. We had the option of using an app to apply, but met face-to-face for some last minute questions. Michael and Spencer are organized and responsive to questions and concerns throughout the process.
Tammie Wilson
19:51 21 Feb 20
Spencer at USA Mortgage Columbia, MO helped my husband and I purchase our first home. The whole process was so much easier than I thought it was going to be. The app made it so convenient to e-sign and upload all our documents. Spencer was very knowledgeable and professional. He answered all our questions and made himself available day or night. I would highly recommend using USA Mortgage and more specifically Spencer, to buy your dream home!
Kristin Hall
19:16 27 Feb 20
Michael helped me and my wife purchase our first home in a state half way across the US. He made it so easy and signing papers was no issue being long distance. He is very informative and patient with all the questions first time buyers have. I would definitely recommend him to anyone! Great experience
Dakota Sanders
06:02 26 Feb 20
I worked with Justin Lackey on an FHA loan and I could not be more satisfied with his attention to detail, willingness to keep me updated beyond business hours and customer service. Every detail that was in his power to provide, he did so at his earliest opportunity. He explains things meticulously and thoroughly so that even the layperson such as myself has a grasp on what I'm getting myself into. I'd highly recommend Justin!
Joseph Resch
18:56 26 Feb 20
Hello, My fiance and I recently worked with Justin on buying our first home. Justin is extremely knowledgeable, driven, motivated, and mostly importantly trustworthy. From day one Justin was up front with everything and helped us understand the home buying process. We both were first time home buyers and had no idea what to expect. Justin worked with us throughout our whole borrowing experience and made what was thought to be ( thought by My fiance and I) a hard complex process, he made it very smooth and easy. Justin always communicated well with us and always was in for our best interest. I would highly recommend Justin to anyone especially first time home buyers, like us, who have no idea what to expect. Simply put Justin gets the job done and is devoted to serving you like he was with us. If we ever purchase another home or need any further loan services I will use Justin. Need a home loan? I know the right loan officer and lender............Justin Lackey with USA Mortgage.
John Clarke
00:32 22 Feb 20
Justin Lackey was my loan officer. There's a lot of uncertainty when it comes to buying your first home. You're not sure what you qualify for and your afraid someone will take advantage of you. Justin was always straightforward, honest, and wonderful to work with. I felt very confident every step of the way. He was always a phone call away to help me understand each step of the loan process. If you are a first time home buyer and you're not sure what your options are, I would highly recommend Justin.
Cari McConnell
14:02 24 Mar 20
My experience with this company has been top notch since my wife and I switched to them. We had issues with our previous bank switching mortgage brokers and the our loan was changed and it complicated the closing. I talked to Michael Vanella and he took care of everything from there on out. He made sure we were completely taken care of in every way imaginable. Michael was extremely easy to contact and communicate with and very responsive. Everything has gone smoothly and without issues. We are very thankful to have had a chance to work with Michael and I will be recommending him to anyone and everyone who is in need of any kinds of servicing he provides.
alex turner
21:55 29 Apr 20

USA Mortgage - Columbia Mo Branch

Our mission is the unrelenting pursuit of perfection, and we pride ourselves on the lending excellence and the superior level of service that our status as a mortgage bank enables us to provide. USA Mortgage is a full service mortgage bank. This means that We will see you through all aspects of the loan process from the time you meet one of our mortgage professionals 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 bank means you can expect a home financing experience free of hassles and headaches. 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 information. 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



Why USA Mortgage Home Loans?


USA Mortgage is a local mortgage banker 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 banker’s hours because we understand our clients have busy lives and schedules to maintain. One of our licensed mortgage bankers 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 advice 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 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 banker’s hours because we understand our clients have busy lives and schedules to maintain. One of our licensed mortgage bankers 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 advice 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 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?


Owning Multiple Homes

If you are wanting to buy a home, and already own one, there are different rules, requirements, and restrictions that are in place for each kind of loan program. Read on to find out the ins and outs of owning multiple homes for conventional, FHA, USDA, and VA home loans. Conventional Home Loans If you…

Continue Reading

Apply for a USDA Home Loan

How to Apply for a USDA Home Loan USDA home loans are a great option for both first-time, and experienced home-buyers. They do not require a down payment, making them an attractive option to some home-buyers. The property must be located in a “rural” area, and there are income limits based on your household size…

Continue Reading

Your Mortgage Tax Deductions

Is My Mortgage a Tax Deduction? Yes, owning a home also comes with many qualified mortgage tax deductions, also called tax write-offs. To claim your mortgage interest tax deductions, you must itemize your taxes instead of taking the standard deduction. Your Mortgage Tax Deductions There are several components to a mortgage that allow for mortgage…

Continue Reading

Contact Us