USA Mortgage – Jefferson City Branch

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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 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 entrenched 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

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
Jesse Opel
22:19 13 Mar 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
Rachel Dickey
01:57 28 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
Anne Hickman
18:21 01 Feb 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
Ian Erwin
17:53 19 Jan 19
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
Travis Wyrick
01:26 20 Dec 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
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 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
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
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
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
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
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 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

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