Home Loans in Jefferson City

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Get Pre-Approved for a Mortgage‎

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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.

Top Mortgage Lender in Jefferson City MO - USA Mortgage

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.

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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 Abadi Region 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 in Jefferson City Missouri - Offers Home Loans

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

★★★★★ Great process! Justin kept us informed of what was going on the entire time. So grateful for all of his help and sticking it out with us when things got a little rough!Kim S. ★★★★★ Justin Lackey was amazing to work with. He kept in contact, answered my thousands of questions, and explained everything to me along the way. He made this process so much easier and less stressful. Justin was very professional and kind. Unlike other lenders from the start of my homebuying journey, Justin took the time I needed to make sure things went smooth and never left me to feel discouraged. Highly recommend!Danelle C. ★★★★★ Justin was such a pleasure to work with. He made sure to keep in contact on a daily basis and explained exactly what was happening and why. He had less then 20 days until my closing date and still had everything finalized and ready to go a few days early!! If your a new home buy or just refinancing, I definitely recommended Justin Lackey at USA Mortgage!!Becca G. ★★★★★ Justin Lackey has been extremely helpful, super patient and great at explaining things to me for me to understand! Highly recommend.Kelbie B. ★★★★★ 4th time using Justin. It’s great service and clear explanations every single time. Always a good rate and even closed early this time!WILLIAM I.js_loader

USA Mortgage Abadi Region

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