Home Loans in Osage Beach

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Get Pre-Approved for a Mortgage‎

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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.

Top Mortgage Lender in Osage Beach MO - USA Mortgage

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.

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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 in Osage Beach & Lake Ozark - Offers Home Loans

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!Kimberly P. ★★★★★ 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😁Lisa D. ★★★★★ 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 Columbia.Jacob B. ★★★★★ 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. :)Kim G. ★★★★★ 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!!Ashton N.js_loader

USA Mortgage Abadi Region

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