USA Mortgage in Jefferson City

Step 1 of 7

Get Pre-Approved for a Mortgage‎

USA Mortgage Customer Rating Photo

USA Mortgage brings a full line of home loan options to the Capital City. We offer a complete suite of loans that can fit virtually any mortgage need; products such as: FHA, USDA, VA, Conventional, and down-payment assistance programs! We even have options for 100% financing.

USA Mortgage’s versatility in the home loan industry has also solidified a reputation in accomplishing what other mortgage lenders are not capable of doing. We have a wide range of investors that cater to almost everyone’s needs. We can accommodate the niche mortgage, challenged credit, and the mortgage that requires out of the box solutions.

Home Loan Programs


Jefferson City has a growing population and more of its people are becoming homeowners. At USA Mortgage, we understand the needs of first time home buyers and current homeowners that have changing needs. We believe there are no cookie cutter home loans, as people have different situations.

That’s why we offer a wide range of home loans including: FHA, USDA, VA, and Conventional, along with many down-payment assistance programs. Our services are designed for the person and not the property. We focus on making sure we treat our clients as individuals who have differing needs and goals, which is paramount to reaching a successful conclusion.

Accredited Mortgage Lender in Jefferson City Missouri - USA Mortgage Home Loans

Why USA Mortgage?


In 2017 the millennial generation became a force in the mortgage landscape, and Jefferson City represents this diverse and growing community. USA Mortgage has adapted to their specific needs by implementing advanced technology, adopting conforming home loan programs, and developing a mindful culture of sensitivity to their needs and buying habits. We want to be the local mortgage lender that exudes next-generation technology and processes to adapt to the needs of this progressive class of individuals.

USA Mortgage has adopted the spirit of this generation and displays it every day in our work environment. Our company is forward-thinking in its development, in that we adapt to homeowner’s needs, whether that be completing the process in person or through our online application. It’s all under one roof with our in-house processing.


Full-service mortgage lender serving state of Missouri.

We underwrite, fund, and process in-house. Stress not included.

We have loan options that allow us to accept lower credit scores.

We offer fixed & adjustable mortgage options with competitive rates.

1st Choice in Mortgage Solutions

USA Mortgage knows Jefferson City has a long history of sports championship accomplishment and is entrenched in a winning spirit. We here at USA Mortgage are also used to being on top as we are the number 1 choice in mortgage solutions in Missouri. We have accomplished this by adopting successful virtues such as clarity, communication, compliance, and a culture of teamwork. Have a home loan need? Just off W Edgewood Dr, one of our mortgage loan originators is waiting for you.

USA Mortgage branch in Jefferson City MO

Mortgage Lender in Jefferson City

The USA Mortgage Jefferson City team is highly conditioned to strive to make buying a home a joyful occasion, and one without stress, with no feeling like you are kept in the dark. We consider you a team member as we work together to give you the most competitive rates, low fees, and unmatched customer service. Missouri is the Show Me State, and USA Mortgage would rather show you than tell you why we are the number one choice for Missourians.

Google Reviews

Justin Lackey has been extremely helpful, super patient and great at explaining things to me for me to understand! Highly recommend.
Kelbie brown
4th time using Justin. It’s great service and clear explanations every single time. Always a good rate and even closed early this time!
My fiancé and I were first time home buyers and so we had lots of questions/concerns and needed someone we could trust. Our realtor recommended Justin Lackey at USA Mortgage and after we finished our first call with him we knew he was the person for us. He... was extremely timely, organized and transparent throughout the loan process and communicated with us frequently. He truly provided us with exceptional service!read more
Rebekah Donoho
We worked with the Justin Lackey on the purchase of our first home. The level of care, attention to detail, and professionalism demonstrated by him far surpassed our expectations. As a first-time home buyer, we really appreciated Justin’s honesty and... transparency throughout the mortgage process. He was personable, and made home buying stress free. He stayed on top of every detail and was there for us every step of the way to answer any questions and address any concerns. I highly recommend more
Tricia Huesgen
Very positive experience! This was our first home purchase and the thought of it was very stressful. We worked with Justin and he was always there to answer any questions we had. He would not hesitate to answer any phone calls, text messages, or email. Any... response back was in a timely manner. Justin and his team worked quickly and made sure everything was set to close on time with no issues. I highly recommend Justin and USA more
Keirstyn Morris
Positive experience! We worked with Justin on our home purchase. Home buying can be a very stressful experience, but Justin put in the time and effort to help ease some of our burdens. He helped us understand each part of the process and gave good advice... throughout. We appreciate the time Justin took to make sure our needs were met! I would gladly recommend him and his more
Sara Williams
Justin Lackey was such a pleasure to work with! He made this whole process so easy! Justin took the time to explain everything and how it would work so we always knew what to expect! 10/10 would recommend Justin to everyone!!
Christina Thomas
I started with Michael last year and when the pandemic hit i chose to step away. This year I decided to proceed forward and purchase. Michael got me approved both times. I am not always an easy person to deal with and I ask alot of questions! Michael was... always there to answer and reassure me during this more
Stephanie Godbey
Justin was amazing with getting us a house. He would go above and beyond for us and it was amazing. This is my first time buying a house and I was stressed about buying one but justin made buying a house so easy. I felt so relief once we got it and i wouldn't... of got it without him he helped me fill out questions or problems early or late at night he would work over to make sure we were ready for a house and to buy a house. I would recommend him to everyone I see. He was truly amazing and helpful and I will go back to him when im ready for another more
Christopher Alewine
I worked with Michael and Taylor at USA mortgage to buy my home. They were both very helpful at making the process easy. I would definitely do business with them again and recommend them to family and friends. I am very thankful for all they have done for me... in helping me buy a home. Thank you both!read more
Amanda Yanez

USA Mortgage Home Loans

Just off East Cedar Way is our Jefferson City office, located on the 1st floor. Jefferson City is known for being the great State Capitol of Missouri. If you happen to be looking in the area, make sure you check out some of the historic sights.

USA Mortgage

We want to be the first step in your home loan process.

200 E Cedar Way, 1st Floor,
Jefferson City, MO 65101

(800) 315-9416

Mortgage Loan Originator:

Justin Lackey - Jefferson City MO | USA Mortgage