USA Mortgage in O’Fallon

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USA Mortgage is your local mortgage lender in O'Fallon, Missouri, and Lake St. Louis. We are a full-service mortgage lending company offering various home loan options in O'Fallon, Missouri, and surrounding areas.

Have a home loan need? Just off State Highway K, one of our mortgage loan originators is waiting to assist you in the loan process. Whether you live in O'Fallon, Lake St. Louis, or surrounding areas, we are committed to helping you. Our loan officers are equipped to the fit the needs of any borrowers whether you are looking to buy a home, investment property, or even refinancing your current home. Working with us, you will experience a less stressful process with better rates, lower fees, and top-tier customer service.

Home Loan Programs


USA Mortgage is a team that is dedicated in giving you the best mortgage rate along with a home loan program that fits your needs. We know that every individual who walks into our O'Fallon office has a unique story, which is why we offer a wide range of home loans including: FHA, USDA, VA, Conventional, Jumbo, and various down payment assistance programs. With our latest technology and resources, we can get you into your dream home faster! Our team works under one roof to provide you exceptional customer service so you don’t have to go to multiple locations; you can even complete everything online using our mobile app.

Accredited Mortgage Lender in O'Fallon Missouri - USA Mortgage Home Loans

Why USA Mortgage?


USA Mortgage has a larger variety of home loan options that most financial institutions do not offer. This gives our clients who may not have the best credit, or funds for a down payment, the opportunity to buy their dream home. No one believes, “we’re not like those other mortgage companies,” so here are some reasons why it’s true for us.


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.

We beat other mortgage companies with the resources we offer our clients. You can complete your documents from the comfort of your home, or by visiting one of our local offices. Check out some of our Google reviews and see why others choose USA Mortgage as their preferred mortgage lender.

USA Mortgage Home Loans in O'Fallon MO

Mortgage Lender in O’Fallon

USA Mortgage in O'Fallon, MO has all the tools to make your dream of buying a home a reality. Whether you are looking for your dream home or your first home, we have you covered. O'Fallon is a great place to settle down and plant roots, as it’s full of booming businesses and a has a great housing market. USA Mortgage wants to give every buyer the chance to fulfill their goals, whether its refinancing, purchasing, or even investing. We offer a wide selection of home loan products including: FHA, USDA, VA, Conventional, and even a starter loan for first-time homebuyers with little to no money down. When you walk into our office, you'll be greeted by one of our mortgage loan originators who can help you find the right mortgage loan option best suited for you. Let us help you become a homeowner today!

Google Reviews

Renee is a wonderful loan officer. She helped us in our mortgage process and made everything so easy. Getting a loan is very involved and intense, but Renee made sure that we always knew what was going on and exactly what we needed to do. Rory Leach... also helped us out and he was very great to work with as well.Overall, there wasn't a single issues we had with the loan officers at this location and I would absolutely recommend them to anyone who needs a mortgage. Thank you all so much!read more
Michael Spengler
Very easy to work with, our job stuff was a little unusual and while they were very thorough they were also willing to work with us. Very good communication from our agent, easy to figure out what paperwork was required, and they did a great job... explaining all costs to more
Mranth Kumpf
Jamie made herself available for questions every time I had one. She made communication easy with an app, texting, email, and phone calls. This process was so smooth that if I were to refinance again I would want to have Jamie by my side. Thank you... again SO much!! 😊read more
Ian Thompson
I worked with Renee Morris to refinance my home loan and I felt she was exceptionally knowledgeable and did the best she could to get things done quickly and efficiently. She made things easy on my end and the company was able to provide a great... value for me. It was helpful they were able to work around my schedule as needed and it seemed like they were willing to put in the effort to get things done quickly without constantly coming to me for information or more
Cody Leamy
Great service , quick to answer questions , always available to help , smooth sailing all the way through. We couldn’t be any happier.
Jeff Csolak
It was an experience for me to have been with the work team, since it was a process with favorable interests.
Harvyn Moreno

USA Mortgage Home Loans

Visit our O'Fallon office location, just off State Highway K. O'Fallon, Missouri is full of history, and you can visit the 9/11 Memorials, Veterans Memorial Walk, and Heritage & Freedom Fest.

USA Mortgage - O'Fallon

Let us help you find the right home loan.

856 Waterbury Falls Dr, Ste 110,
O’Fallon, MO 63368

(800) 315-9416

Mortgage Loan Originators:

Rory Leach - O'Fallon and Chesterfield MO | USA Mortgage Aaron Emerson - O'Fallon and Lake St Louis MO | USA Mortgage