Saving for a downpayment is often the most daunting part of the homebuying process. Having enough cash to put 20% down may seem out of reach, but don’t let that high number discourage you from becoming a homeowner. Despite what many people say, you don’t have to put 20% down to get the keys to…
Posts Categorized: Buy a Home
There’s more to comparing the costs of renting and owning a home than the dollar cost of payments. Even with numbers like these, some still say renting is better: “Investing in a home is riskier than renting.” No risk, no reward. Besides, even studies conducted by the Federal Reserve show that owning can provide a net…
When prices are rising, why not let the market help you? It’s great to save up for a large down payment of 20% or more. Yet, when prices are on the rise, saving quickly enough to keep pace can be extremely difficult. In times such as these, why not let the market build equity for…
Many factors go into calculating value of a home. Most importantly, recently sold comparable properties must be considered. “Comps” should be similar in location, size, style, room count, condition, utility, etc. Appraisal is part art and part science, and the latter is hard to change. Sometimes, the hardest thing for owners is to be…
Understanding the HOW and WHY of Escrow Accounts Escrow accounts provide for the timely payment of taxes and insurance on your home. This prevents tax liens, loss of property and any lapse of insurance coverage. As part of your regular mortgage payment, 1/12th of the annual cost is collected. These funds are held and paid out as bills…
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Lesley C
01:27 21 Aug 19
We used Michael Vanella with USA Mortgage for our conventional home loan. Mike kept us very well informed throughout the process. He answered every question I had promptly. I really felt like he had our best interest in mind. The process was very easy, as well. I am a very happy customer!read more
Hessell Sanchez
13:39 08 Aug 19
This was our first home buying experience and it was such a relief to have Justin and Kelly in our side since day 1. I remember walking in with so many questions and nervous to Justin’s office at USA Mortgage and walking out feeling so relieved- he was that good at reassuring us that he would make our dream come true. We had a few hiccups along the way, buy anytime we had questions they were always available to answer them. If you want someone who will truly work with you- I would strongly recommend them!read more
JC Muniz
04:07 07 Aug 19
Words can’t describe how thankful we are with the amount of effort and professionalism that both Justin and Kelly offered to us through out this whole home buying experience! As first time home buyers they helped us so much with answering all kinds of questions we had and overall making this process as smooth as possible for us!! I highly recommend Justin and USA mortgage for your future home buying needs!! Thank you so much again guys !!read more
Wesley Storrs
23:34 02 Jul 19
Where do I start? Casey’s diligence on my file was more than thorough and the results show. A very honest and hardworking agent that will guide you step by step throughout the process. His work is impressive. Anybody shopping for a mortgage needs to stop here. The level of customer service and caliber of work exceed the expectations.read more
Jared Kuban
03:10 25 May 19
Justin Baden is awesome to work with! He’s extremely knowledgeable, professional and just an overall great person. I’m looking forward to working with him more. If you’re buying a home or another property, go see him! He’ll work his tail off to help you! Would recommend to anyone!!read more
Mike Cowell
22:16 23 May 19
I’ve had the pleasure of knowing Justin Baden for the past 15 years. The level of professionalism that he brings to the table on a daily basis is unmatched. He truly cares about his clients and is dedicated to going above and beyond to give them an all star experience. I would highly recommend working with Justin to anyone looking for a home loan. Keep up the great work!read more
Benjamin Burgett
20:10 21 May 19
Justin Lackey and Kelly George did a great job walking us through the home buying process. They were very informative and helpful throughout the entirety of the loan process. Justin truly cares about what is best for each individual that is applying for a loan through him. Justin and Kelly made the home loan process as efficient and smooth as possible.read more
Calin Adams
13:46 30 Apr 19
Casey was great. My wife and I were first-time home buyers, and Casey made the process easy and painless. He answered our endless questions throughout all times of the day, and he always kept us updated throughout the process. We will definitely refer Casey to everyone we know!read more
Kaitlyn Gebhard
18:38 19 Apr 19
I was pretty clueless about the home buying process as a first time home buyer. Justin Lackey with USA Mortgage in Columbia answered all of my questions and put my mind at ease! He has fantastic communication skills and consistently kept me updated on the progress of my home loan. He is a very nice, friendly person to work with. He even assured me he would continue to help and answer questions about my conventional home loan after we had closed on the home. I would recommend him to anyone looking for a home loan!read more
Jesse Opel
22:19 13 Mar 19
Casey worked with us every step of the way. Was great at explaining the whole process to us and our best options. He always got back to us with a text or a call very quickly. I wasn’t even sure I was able to get a house. But after talking with Casey I was able to get my credit score to jump 150 points in three months. Enabling us to get a FHA loan.read more
Rachel Dickey
01:57 28 Feb 19
Michael was fantastic to work with! He was always available via text, call, or email to answer any of our questions and if he didn't know the answer, he would find out in a timely manner. Being a first time home buyer is intimidating and Michael made this process a breeze. I would definitely recommend him and his coworkers to any friends or family of mine!read more
Anne Hickman
18:21 01 Feb 19
Casey is terrific to work with, and I've used him buy two different homes. One of the homes was in Columbia and the other from KC and both times he went above and beyond with helping me. He's friendly, helpful, and quick to respond. I would highly recommend Casey to anyone looking for a caring individual to help them through the home mortgage process!read more
Ian Erwin
17:53 19 Jan 19
I met Kris An while working out at the same gym in Columbia, Mo. Over the past few years he became a good friend and I wouldn’t want anyone else to help me understand how everything works and discuss purchasing my first home! Hardworking and always puts his clients first. Connects to people so there is a comfort in working with him. Definitely recommendread more
Travis Wyrick
01:26 20 Dec 18
Justin Lackey is very impressive & talented guy. He carries the confidence, knowledge, and drive that we as consumers need when making big or little decisions. He is a genuinely helping hand that will go above and beyond to make sure his customer service has achieved 100% satisfaction. Highly recommended!read more
Sierra Crawford
13:26 08 Oct 18
Jim was great to work with! He really made the home buying experience easy. He was very quick with keeping me up to date on everything and letting me know what needed done so I could close on time. He made the whole home buying experience very pleasant!read more
Brandon Shubert
13:10 08 Oct 18
I can't be happier with the service I received from Michael at USA Mortgage! He took care of everything for me, even finding home owners insurance for me. I work an odd schedule so it's not easy to contact people or keep in touch, but that was no problem with Michael. He really made the whole process very easy. I would definitely recommend him.read more
Angelo Lafata
14:58 19 Sep 18
JUSTIN Lackey very hard working lenders who gets the job done. We had a short time frame to get into a home. He made the process easy and took excellent care of our loan. JUSTIN and his team took care of us and had our best interest in mind. THANK YOU EXCELLENT JOBread more
Sam Nolla
02:23 15 Sep 18
At first I wasn’t sure if I was ready to buy a house. It seemed too complicated and I didn’t think it was the right time. Thankfully, Justin Lackey helped me through the process step by step the entire time. He was very patient and dedicated to customer satisfaction. I am now a proud homeowner thanks to Mr. Lackey and USA mortgage and do not regret it one bit. If you are in search of a home loan, I highly recommend going through him (or anyone else at USA Mortgage for that matter). Everyone there is highly professional and easy to work with.read more
Laversa Siebuhr
14:45 31 Aug 18
We recently purchased a new home and worked with Patricia Bonuchi. She was great to work with! She made us feel comfortable in asking any questions we had. She went above and beyond for us coming to our work or home to get things signed or to have a quick meeting with us to explain the process. Patricia is knowledgeable, helpful and efficient. She was an invaluable asset to our home buying process. Go see Patricia!read more
Kathy Thomas
15:01 29 Aug 18
Meeting Justin Lackey has been one of the best experiences. He is very knowledgeable about the business which shows he really cares about the company as well as his clients. He's so personable that he makes you feel like you have known him for years and always has a smile on his face. He can help with any and all questions you may have while giving you a very detailed answer. I will definitely recommend Justin to anyone that is looking to purchase a home.read more
Leesa Chrisco
00:33 24 Aug 18
Justin Lackey was extremely easy to work with. He shows a great level of compassion. He is extremely personable and professional. I would recommend him for a first time home buyer or anyone who has any mortgage needs. Top notch professional!!!!read more
Melissa Hardaway
23:36 28 Jul 18
Working with Michael at USA Mortgage has been a great experience. He answered our questions in a timely manner day or night and helped calm our fears during the ho e purchasing process. I would recommend him and USA Mortgage 100% to anyone who is looking for any of their home financing needs.read more
Jared Kuban
18:29 25 Jul 18
Justin and Dana are great people to go through for all of your home buying needs! They work with you to get things done in a timely manner and they’re experts at what they do. I’d recommend them to anyone!read more
Laurie Salem
12:41 15 Jul 18
Michael Vanella and the team at USA Mortgage helped us to obtain the loan we wanted with the timing we needed as well. I really appreciated his down to earth communication style, and no question was “too dumb” to ask. He always got back to us in a timely manner and patiently explained the ins and outs of our loan situation.read more
Mary C
15:06 25 Jun 18
I've spoke with other lenders in town prior to meeting with USA mortgage. I can say I've had the best experience here and with Lane as our loan provider he is the best. He walked ud through everything and answered any questions we had and gave us insight. He guided us through the entire process. I highly recommend Lane!read more
Lori Lackey
15:30 20 Jun 18
Justin Lackey with USA Mortgage in Columbia, MO was great to work with on financing a new house for us. Great customer service and very knowledgeable about the whole process. He made it fast and easy. We have not found our perfect house yet but Justin has been very patient with us and has answered all of our questions. I would not hesitate to refer him to all of our family and friends.read more
Rachelle Speak
06:54 17 May 18
Patrica at USA mortgage went above and beyond helping me through the home loan process. She always answered my call or got back to me very quickly. I was always kept informed where I was in the home loan process. I definitely recommend USA mortgage and especially Patricia.read more
Rose Russell
18:29 03 May 18
We began this process in January 2018, and I am set to close in less than a week. Michael was great to work with for purchasing my first home. He is very thorough with information and he replies quickly. He stays in touch often to keep you updated on everything in the process. I would highly recommend him to anyone I know who is thinking of buying a home.read more
Joe Lawler
02:41 25 Apr 18
Michael and Dana did a great job. This was our first home and we came into it without a clue. They both helped us in every way and explained things great.
Chris Wilhoit
00:22 05 Apr 18
Michael Vanella was a big help when it came to getting us approved for our first home purchase. It gave us a great start to the maximum we could afford on a home. When we decided to go house shopping, it made it much easier! I would recommend Michael and his team anytimeread more
Ashton Whisenand
20:36 13 Mar 18
USA Mortgage Michael Vanella is the BEST. He is great at getting the loan you need for you home. Our loan officer Michael talked us through every step and informed us of any changes that was coming. The communication was great with everyone that I work with at USA Mortgage. I would recommend them to anyone that is looking to buy a home.read more
Pierre Young
17:24 21 Jan 18
Robert Peery gave me courteous service and helpful advice throughout the mortgage lending process. I was approved for a mortgage refinance loan on my condominium and also a mortgage loan on a new home at a lower interest rate than I was paying before. Thank you USA Mortgage for making the second home that I bought a really pleasant experience. I enjoyed working with my real estate agent Patty, too.read more
Lindsie Neeley
14:34 03 Jan 18
Michael and Dana went above and beyond for my family. They made the purchase of our first house happen even after being turned away from other lenders. Quick to respond to any questions even after business hours. I can never thank them enough. Highly recommended!!read more
Emily Connon
19:12 21 Dec 17
I was very pleased with my experience at USA Mortgage. My loan officer and his staff were incredibly helpful throughout the whole process. They went above and beyond to ensure I was taken care of every step of the way. I highly recommend USA Mortgage to anyone looking to buy your future home!read more
