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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
Michael, and those he worked with, was very upfront with any information and always responded quickly to requests for information. He was knowledgeable and was very helpful in keeping me within the rate and payments discussed and within one day of the projected closing date. I would recommend his services to anyone looking to obtain a home... mortgage.read more
Russell Crockett
Michael was very helpful in guiding me through the mortgage refinance process. He answered all my questions promptly, and was also very diligent in keeping my paperwork moving through the process. Michael was also readily available through email, text, etc.
Pam Weagley
As a first time home buyer there were a ton of things I knew I didn't know, and even more things I would have never thought to ask. My loan agent Robert Perry with USA Mortgage did an amazing job keeping me in the loop at all stages of my purchase, as well as informing me of how mortgages work at all. Excellent service!
Jonathan Williams
As recommended by my realtor, Bev and Co. – House of Brokers Realty, I would highly recommend USA Mortgage for all your mortgage and loan needs. Michael and his team helped me through the process of my loan application as a first time homebuyer using the VA home loan. I moved here to Columbia, Missouri from California and thought I would never be... able to purchase a home, but I was wrong! Having once attempted to try and purchase a home back in California, I was left with dismay due to my poor credit and financial burdens, not to mention the cost-of-living in California.Since moving here, with Michael’s help, I was able to identify what steps to take to help improve my credit and credit score, which then helped me to obtain a lower interest rate for my first home loan. While it was already at a low interest rate, Michael went above and beyond to help me secure an even better interest rate. Michael and his team partner, Spencer ensured a smooth application process through the user-friendly USA mortgage interface and online document portal and email and phone communications. It turned out to be a very smooth application process and now I am on my way to building a home!! Thank you Michael and all your amazing associates for helping me make this dream of homeownership come true.read more
Marilyn R.
This was my second time working with USA Mortgage and this time I had the pleasure of working with Jim. He was amazing to work with and very informative during the entire process, even during the lag times! I couldn't have had a better person to work with!
Kelly Boyce
I have worked with many lenders & they all always had the same things to say, so I wasn't all that interested in meeting another. We've worked together multiple times now over the past two years and I can honestly say he is different. Not only has he helped me with my own investment properties being a real estate agent I've witnessed his work with... many buyers that had been turned away from other lenders because they didn't have the know-how or patience to make these buyers dreams a reality.read more
Cheryl Maupin

USA Mortgage - Columbia Mo Branch

Our mission is the unrelenting pursuit of perfection. We pride ourselves on the lending excellence service level that our status as a mortgage bank enables us to provide. USA Mortgage is a full service mortgage bank. 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 bank 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 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

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