USA Mortgage – Jefferson City Branch

USA Mortgage is excited to bring its full line of mortgage products to the Capital City. We offer a complete suite of loans that can fit virtually any mortgage need. We offer products such as USDA, FHA, VA, Renovation, Conventional and down payment assistance programs! We even have options for 100% financing on USDA, VA, and FHA products. USA’s versatility in the Home Loan industry has also solidified a reputation in accomplishing what other mortgage lenders will not or are not capable of doing.

We have a wide range of investors that cater to almost everyone’s need basis. We can accommodate the niche mortgage, challenged credit and the mortgage that requires out of the box solutions.
Jefferson City has a growing population and more of its people are becoming homeowners. We understand the needs of first time buyers and current homeowners that have changing needs. We believe there are no cookie cutter loans as people have different situations. We also look at our services are designed for the person and not the property. Our focus on making sure we treat our clients as individuals who have differing needs and goals is paramount to reaching a successful conclusion.
First time homebuyers - Jefferson City, MO | USA Mortgage
Why USA Mortgage Home Loans - Jefferson City, MO

Why USA Mortgage Home Loans?


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 mortgage programs and developing a mindful culture of sensitivity to their needs and buying habits. We want to be the hometown lender that exudes next generation technology and processes to adapt to the needs of this progressive class of individuals.
Our company has adopted the spirit of this generation and displays it every day in our work environment. The company is so forward thinking in its development that we were voted the best company to work for in the St Louis in 2018.

Missouri's 1st choice in mortgage solutions

USA-Mortgage knows Jefferson City has a long history of championship accomplishment in sports and are intrenched in a winning spirit. We here at USA-Mortgage 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.
1st choice in mortgage solutions in Jefferson City | USA Mortgage

USA Mortgage in Jefferson City, MO

Our team is highly conditioned to strive to make buying a home a joyful occasion and one without stress and feeling like you are kept in the dark. We consider you a team member as work together to give you the most competitive rates, lower 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 of Missourians for their Home Loan solutions.
Jefferson City, MO | USA Mortgage Home Loans

Google Reviews

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
Sierra Crawford
13:26 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
Brandon Shubert
13:10 08 Oct 18
Justin Lackey was great to work with. He was able to answer all my questions and was quick to respond. He really cares about his clients. I would recommend working with him to anyone
Kristen Peter
16:01 05 Oct 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
Angelo Lafata
14:58 19 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
Sam Nolla
02:23 15 Sep 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
Laversa Siebuhr
14:45 31 Aug 18
All I have to say is that Michael with USA Morgage is someone I will go to for future home buying opportunities. He was able to look at our situation, access the options, give us advice and move forward with loan processing. Michael made the process simpler than I would have believed it could be. If something comes up and you question him about it, he is open, honest and gives you the information directly needed to access all aspects. Because of Michael's skill, I can be proud to own a home before I graduate college! Something I never thought would be a reality. I would recommend Michael and his team to anyone looking to buy a house, whether it is their first or seventh home buying experience.read more
Tori Rowden
01:38 30 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
Kathy Thomas
15:01 29 Aug 18
As first time home buyers & self employed the entire mortgage process was extremely intimidating! Michael was SO great at answering every question we had & worked with our unique situation to come up with the best options to get us into our new home. He goes above & beyond on his work. When compared to other lenders we had spoken with Michael is second to none. He will help you & he will make the home buying process smooth & easy! We'll definitely use him in the future & recommend him always!read more
Madison Vasquez
18:38 28 Aug 18
I was purchasing an HUD home so the process was confusing. However, Casey walked me through it and helped me find the right loan for what I wanted. Other lenders would not even try to obtain a loan for this type of property. He communicated well and if an email was sent, he followed up with a text to let me know I had something to sign or complete. He was also willing to answer my many questions to make sure I understood what I was doing.read more
Melissa Taylor
12:18 25 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
Leesa Chrisco
00:33 24 Aug 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
Melissa Hardaway
23:36 28 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
Jared Kuban
18:29 25 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
Laurie Salem
12:41 15 Jul 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
Mary C
15:06 25 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
Lori Lackey
15:30 20 Jun 18
Michael is a miracle worker...he stepped up and worked so hard to get us into our home. He answered my calls, texts and e-mails everytime. His assistant Kelsey was equally as helpful. We have never seen a lender work harder and actually care about their clients.I would recommend Michael and team to anyone interested in a home loanread more
Shane Stevens
21:59 11 Jun 18
Such an awesome group!!!! Mr. Vanella walked me through my first time home buying process like a BOSS. He explained to me everything I needed to do and why and kept everything simple. I closed right on time and got the house I thought I could never get.read more
Latonya Sharp
05:49 26 May 18
Michael and his assistant were so helpful to me as a first time home buyer! They answered any questions I had and made all of the information and paperwork a simple and easy process. Thank you so much for guiding me through the home buying process. I recommend Michael and his team to anyone looking to buy a home.read more
Greta Gisi
16:18 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
Rachelle Speak
06:54 17 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
Rose Russell
18:29 03 May 18
Mike and Dana handled everything very professionally, just like they always do. When you can depend on someone to do their job, and consider all the different outcomes for you, it makes things easy. That's what USA Mortgage does. Makes things easy.read more
Scott Jones
16:17 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.
Joe Lawler
02:41 25 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
Chris Wilhoit
00:22 05 Apr 18
I would highly recommend Michael Vanella, from USA Mortgage, for any and all mortgage loan needs. His assistant, Dana and him, were both professional, organized and on top of everything during this process. I have worked with other mortgage lenders before and they pale in comparison to Michael and his team.read more
A Beck
18:51 14 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
Ashton Whisenand
20:36 13 Mar 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
Pierre Young
17:24 21 Jan 18
Michael and Dana are awesome to work with I went to usa mortgage when we purchased our home and he went above and beyond to get it done. It happened we purchased our house. Then we went back to refinance and again the process was very clear and concise with what was needed from us and if we had any questions along the way they were always there to help and answer. Awesome team I will defiantly recommend to othersread more
Meggan Hane
18:02 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
Lindsie Neeley
14:34 03 Jan 18
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
Emily Connon
19:12 21 Dec 17
Michael Vanella is amazing! He worked very hard to get me the best interest rate possible and the best type of loan for my situation. He was quick to respond to all of my emails and took the time to explain anything that wasn't making sense to me. I was able to relax and enjoy this exciting time because I knew Michael was working hard behind the scenes. Thank you!read more
Brook Kruse
14:26 26 Oct 17
I am a local Realtor, and I have been referring clients, friends and family to Bob & Brooke Peery since 2012. I will continue to work with Bob & Brooker Peery with USA Mortgage Home Loans because they are some of the most knowledgeable, professional and honest mortgage brokers I have ever worked with. Their personal attention to my clients is a great comfort to me. I have the utmost confidence recommending USA Mortgage Home Loans knowing that my clients are handled with exceptional customer service and professionalism.read more
Tim Turner
13:28 26 Sep 17
The team at USA Mortgage was great to work with. Reza and Charles walked us through the entire process and were always there if we had questions. I would not hesitate to recommend them.read more
Clayton Cowles
13:31 02 Jun 17
The USA Mortgage branch based in Columbia, MO is a very straight forward and professional company. Working with them has been easy and pleasant. Their rates are very competitive, and they have been very willing to share and discuss all the aspects of the mortgage experience.On our new house we have to have mortgage insurance. Other companies never mentioned to me that you can "buy out" of that fee for much less money than paying monthly payments on it. This was brought to my attention by USA Mortgage and will save us thousands of dollars. This is just one specific example of how USA Mortgage is an excellent company. I would highly recommend to anybody buying a house to see what USA Mortgage has to offer.read more
Daniel Soetaert
18:21 12 May 17
The team at USA mortgage made our first home buying experience amazing, especially since we chose to buy without a realtor. Reza, James and the rest of the team always answered my questions and walked us through the steps. We really couldn't have done this without people like them. So appreciative for their service and expertise in helping us pull this off!read more
Rhiannon Lutz
18:20 07 Mar 17

Loan Officer: Jeff Rackers - Jefferson City, MO | USA Mortgage