USA Mortgage in Osage Beach

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USA Mortgage is your local Mortgage Lender in Osage Beach. We are a full-service mortgage company offering a variety of home loans in Osage Beach, Lake of the Ozarks, and its surrounding areas.

At the USA Mortgage Abadi Region, our mortgage loan officers have over 40 years of mortgage lending experience at the Lake. We specialize in secondary homes, so we can secure your dream vacation home with one of our many financing options. We offer a full line of products, including Conventional, FHA, USDA, and VA to accommodate your home loan needs.

Home Loan Programs


At our USA Mortgage: Osage Beach Branch, our mortgage lenders specialize in secondary home loans. Whether you are looking for your dream vacation home or an investment property in Lake Ozark, we have the loan program for you!

We offer mortgage loans that include FHA, USDA, VA, and Conventional programs, as well as various down payment assistance programs and resources you may need to buy a home or refinance. The best part is that the entire home loan process can be done in one of our offices, which means less hassle for you.

Accredited Mortgage Lender in Osage Beach, Missouri - USA Mortgage Home Loans

Why USA Mortgage?


Although we may specialize in secondary home mortgages, we also offer home loan programs for first time home buyers, to help with little to no money down and to cover any closing cost accrued. Buying your first home brings a lot of stress. Here at USA Mortgage, we want the best program, best mortgage rate, and best experience for you! No one believed, “We’re not like those other mortgage companies,” so here are some reasons.


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.

USA Mortgage Home Loans in Osage Beach & Lake Ozark MO

Mortgage Lender in Osage Beach

At our USA Mortgage: Osage Beach Branch, we offer little to no money down options which give our clients peace of mind when looking for the perfect home or vacation home. As a vacation destination, our team of home loan officers are especially well versed in second home and condominium purchases, which are unique to our market. Most out of town mortgage companies struggle with the additional requirements and guidelines for these types of properties, but for our team of loan officers, this is our bread and butter! We pride ourselves on not just our knowledge of the market and our home loans, but developing those relationships with our clients that will see us through future purchases or refinances with them. Visit our Osage Beach office today, to get prequalified for your dream vacation home!

Google Reviews

Michael and his team are AWESOME! We worked closely with Christy. She was so knowledgeable and helpful. NO QUESTIONS WENT UNANSWERED! Communication is so important. I love their portal, we knew exactly what was needed in real time. Would recommend again and... again. Keep up the great work!read more
Kimberly Prophete
OMG I can't say enough about Michael V and his Team. Michael is one of the best Lenders I've meet. He's very understanding, patient, hard working, and he knows what he's doing. Thank you so much for helping me. Words just can't explain how much I appreciate... you! Thank you😁read more
Lisa Davis
Michael Vanella with USA Mortgage was excellent to work with! Him and his team were very professional and easygoing. As a first time home buyer, I had a lot of questions. They never made me feel like my questions were silly and their responses were quick and... easy to understand. Their loan portal was easy to navigate and it made the transfer of information seamless. Mike explained each loan type to me and gave advice on what he thought would be best for me. If you’re looking for a lender to use I highly recommend Michael Vanella and his team at USA Mortgage in more
Jacob Bowne
Wow and Wow!! The USA Mortgage Team rocked my face off!!! As a busy professional, Michael V and his team made this home buying process easy and speedy!! This process has been nothing but fun, relaxing, and enjoyable. No stress, no worry....they just took... care of me. They are all truly top-notch in customer service and professionalism. Wish I could give more stars than 5. Thanks, Michael, Taylor, and Spencer....see you at my open house. :)read more
Kim Goforth
This was the first time working with USA Mortgage for us. Michael Vanella and his team (Taylor Walker) took care of the details and kept me up to date on the progress as things moved along. Buying a home from a distance proved to be much easier than I... thought. I appreciate the work and the effort to make this such a good experience for me and my daughter who is moving to the area for grad school. Strong work Michael!!read more
Ashton Nickles
Mauricio Esquivel has done a fantastic job with our request for a home mortgage for a new house. He keeps in contact with me either by text or calls which is best for me. The process has been stress free and so easy. I will definitely be using USA mortgage in... the more
Melissa Romaine
Working with Michael and his team at USA mortgage has been a great experience! They’ve worked diligently on helping us with the purchase of our custom home during quite a crazy time!
Elizabeth Wainscott
Mike and his team have been amazing to work with. He was available for ALL of my questions at a moment’s notice. This home buying experience has been so smooth it’s unreal! I would 100% send anyone looking to buy a home to Mike and his team!!!
Nicole Jahn
John was very knowledgeable in navigating us through the financial process. We had a few road blocks along the way that became quite challenging, but between Bob and the people he delt with in underwriting, we were able to make this all work. The frustrating... part was that my wife and I are very financially sound and new we had know problem funding this mortgage, it was the paper trail needed to reassure underwriting that they had proof. Thanks again Bod, great job well more
scott lush
Michael and his team have been nothing but amazing! After being so discouraged with a previous company, Michael and his team turned everything around and helped us get our Home loan. They really care about their customers and that’s so hard to find these... days. I will be referring him and his team from now more
Karen Cramlett

USA Mortgage Home Loans

Not sure if you are ready to buy your first home? Call one of our Osage Beach mortgage loan officers to see what they can offer you. They can help you find a unique Lake property suited for you!

USA Mortgage

Starting a home loan process has never been easier.

3570 Osage Beach Pkwy, Ste 201,
Osage Beach, MO 65065

(800) 315-9416

Mortgage Loan Originator:

Bob O’Steen - Osage Beach MO | USA Mortgage