Applying for a mortgage can feel overwhelming at first, especially if you aren’t familiar with industry jargon. Two terms that are often thrown around are adjustable-rate mortgages, or ARMs, and fixed-rate mortgages. Understanding the differences between these two types of mortgages will make you feel more comfortable and confident with the application process. They may…
Posts By: Michael Vanella
When people think about buying a home, they likely envision attending open houses and picking out new paint colors, not securing a mortgage. While getting a mortgage isn’t as glamorous as other aspects of buying a home, it is arguably the most important step in the process. Without a mortgage, most people wouldn’t have a…
Veterans, we are eternally grateful for the sacrifices you have made for our country. While there is nothing we can do to adequately thank you for your service, we can offer guidance and assistance during your homebuying process. We are here to help you navigate VA loans and get the keys of your dream home…
When buying a home, mortgage rates are important! The truth about mortgage rates? They are always changing. It is wild to think that they can change from one day to the next, but it’s true. When dealing with mortgage rates, being educated is the first step in understanding how your mortgage rate can affect you…
Have you recently decided that the time is right to buy your first home? With Spring weather upon us, the market is starting to become active and many great homes are beginning to be listed for sale. The process of buying your first home can be a very exciting time. It’s truly a fresh start in a…
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James Lee
15:37 26 Jun 18
The most important qualities I enjoy when someone is providing a service is communication and quick turn around times. Michael and his team fulfilled both of these criteria. Any questions I had were met with a quick response via email or a simple phone call. He never shied away from any questions we had and answered them directly while always having our best interests in mind. Turn around times on emails and documents submitted were quick and usually within the same day. I highly recommend them!read more
Mary C
15:06 25 Jun 18
I've spoke with other lenders in town prior to meeting with USA mortgage. I can say I've had the best experience here and with Lane as our loan provider he is the best. He walked ud through everything and answered any questions we had and gave us insight. He guided us through the entire process. I highly recommend Lane!read more
Lori Lackey
15:30 20 Jun 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.read more
Jennifer Brotherton
04:07 19 Jun 18
Michael and Dana are amazing people to work with. The both worked so hard to get me into my home, working late at night and even on holidays. I highly recommend them to anyone in need of a dedicated team to work their magic and expertise.read more
Shane Stevens
21:59 11 Jun 18
Michael is a miracle worker...he stepped up and worked so hard to get us into our home. He answered my calls, texts and e-mails everytime. His assistant Kelsey was equally as helpful. We have never seen a lender work harder and actually care about their clients.
I would recommend Michael and team to anyone interested in a home loanread more
Latonya Sharp
05:49 26 May 18
Such an awesome group!!!! Mr. Vanella walked me through my first time home buying process like a BOSS. He explained to me everything I needed to do and why and kept everything simple. I closed right on time and got the house I thought I could never get.read more
Greta Gisi
16:18 17 May 18
Michael and his assistant were so helpful to me as a first time home buyer! They answered any questions I had and made all of the information and paperwork a simple and easy process. Thank you so much for guiding me through the home buying process. I recommend Michael and his team to anyone looking to buy a home.read more
Rachelle Speak
06:54 17 May 18
Patrica at USA mortgage went above and beyond helping me through the home loan process. She always answered my call or got back to me very quickly. I was always kept informed where I was in the home loan process. I definitely recommend USA mortgage and especially Patricia.read more
Rose Russell
18:29 03 May 18
We began this process in January 2018, and I am set to close in less than a week. Michael was great to work with for purchasing my first home. He is very thorough with information and he replies quickly. He stays in touch often to keep you updated on everything in the process. I would highly recommend him to anyone I know who is thinking of buying a home.read more
Jackie Kitchen
13:38 27 Apr 18
Patricia was amazing and worked so hard on our file. Our realtor recommended her and we were not disappointed at all. When I tell you she works hard for her borrowers, it’s an understatement. She was working from home when she was sick to help us get into our home. I have already recommended her to friends. Even the realty office was shocked at how amazing she was and how quickly she was able to get us cleared to close. Our file was not easy at all. I’m so impressed! I highly recommend Patricia!read more
Scott Jones
16:17 25 Apr 18
Mike and Dana handled everything very professionally, just like they always do. When you can depend on someone to do their job, and consider all the different outcomes for you, it makes things easy. That's what USA Mortgage does. Makes things easy.read more
Joe Lawler
02:41 25 Apr 18
Michael and Dana did a great job. This was our first home and we came into it without a clue. They both helped us in every way and explained things great.
Tessa Jackson
17:28 17 Apr 18
Michael Vanella and Dana Fehling are great to work with on the home buying process. I appreciate they are always available and answer my questions. This has been an easy process and I’m getting my dream home!read more
Chris Wilhoit
00:22 05 Apr 18
Michael Vanella was a big help when it came to getting us approved for our first home purchase. It gave us a great start to the maximum we could afford on a home. When we decided to go house shopping, it made it much easier! I would recommend Michael and his team anytimeread more
A Beck
18:51 14 Mar 18
I would highly recommend Michael Vanella, from USA Mortgage, for any and all mortgage loan needs. His assistant, Dana and him, were both professional, organized and on top of everything during this process. I have worked with other mortgage lenders before and they pale in comparison to Michael and his team.read more
Ashton Whisenand
20:36 13 Mar 18
USA Mortgage Michael Vanella is the BEST. He is great at getting the loan you need for you home. Our loan officer Michael talked us through every step and informed us of any changes that was coming. The communication was great with everyone that I work with at USA Mortgage. I would recommend them to anyone that is looking to buy a home.read more
Pierre Young
17:24 21 Jan 18
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.read more
Meggan Hane
18:02 03 Jan 18
Michael and Dana are awesome to work with I went to usa mortgage when we purchased our home and he went above and beyond to get it done. It happened we purchased our house. Then we went back to refinance and again the process was very clear and concise with what was needed from us and if we had any questions along the way they were always there to help and answer. Awesome team I will defiantly recommend to othersread more
Lindsie Neeley
14:34 03 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!!read more
Emily Connon
19:12 21 Dec 17
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!read more
Cameron Neal
17:28 27 Oct 17
Mike beat everyone on everything! He's good at what he does and knows his stuff. It took some work to get done, being my first home loan. He put in the work and got it done. All others just blew me off on the process. I recommend Mike V to everyone! Go see him and you won't be disappointed. Thanks Again Mike.read more
Brook Kruse
14:26 26 Oct 17
Michael Vanella is amazing! He worked very hard to get me the best interest rate possible and the best type of loan for my situation. He was quick to respond to all of my emails and took the time to explain anything that wasn't making sense to me. I was able to relax and enjoy this exciting time because I knew Michael was working hard behind the scenes. Thank you!read more
Tim Turner
13:28 26 Sep 17
I am a local Realtor, and I have been referring clients, friends and family to Bob & Brooke Peery since 2012. I will continue to work with Bob & Brooker Peery with USA Mortgage Home Loans because they are some of the most knowledgeable, professional and honest mortgage brokers I have ever worked with. Their personal attention to my clients is a great comfort to me. I have the utmost confidence recommending USA Mortgage Home Loans knowing that my clients are handled with exceptional customer service and professionalism.read more
Clayton Cowles
13:31 02 Jun 17
The team at USA Mortgage was great to work with. Reza and Charles walked us through the entire process and were always there if we had questions. I would not hesitate to recommend them.
Daniel Soetaert
18:21 12 May 17
The USA Mortgage branch based in Columbia, MO is a very straight forward and professional company. Working with them has been easy and pleasant. Their rates are very competitive, and they have been very willing to share and discuss all the aspects of the mortgage experience.
On our new house we have to have mortgage insurance. Other companies never mentioned to me that you can "buy out" of that fee for much less money than paying monthly payments on it. This was brought to my attention by USA Mortgage and will save us thousands of dollars. This is just one specific example of how USA Mortgage is an excellent company. I would highly recommend to anybody buying a house to see what USA Mortgage has to offer.read more
Secley K
20:11 01 May 17
Outstanding customer service from the beginning to the end. I was beyond pleased with the organization and how each member made sure to explain the process. They took the stress out of buying a home and made the process that more exciting and enjoyable. Reza and his team are amazing not only have we used them once we are now returning customers! hands down the best in town.read more
Rhiannon Lutz
18:20 07 Mar 17
The team at USA mortgage made our first home buying experience amazing, especially since we chose to buy without a realtor. Reza, James and the rest of the team always answered my questions and walked us through the steps. We really couldn't have done this without people like them. So appreciative for their service and expertise in helping us pull this off!read more
