C.O. Scheffer - NMLS# 541779 - Central Bank

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United States
Columbia, MO
C.O. Scheffer - NMLS# 541779 - Central Bank

Dedicated to providing the smoothest transaction possible all of my customers.

Proud recipient of the 2020 Central Bank of Boone County Banker of the Year and the 2012 Connie Martin Sales Award.

10/13/2026

Imagine being a homeowner this fall 🍂

Now is a great time to buy a home, and I'd love to help you through the process. DM me with any questions you may have!

Member FDIC | NMLS # 407985 | Equal Housing Lender

10/12/2026

Our branches are closed today, October 12th, in observance of the federal holiday. If you have any mortgage inquiries, please message me, and I'll get back to you ASAP.

10/07/2026

Saving for a house doesn't mean you can't celebrate the seasons!🍂🎃

Here are a few of my favorite ways to enjoy Fall while still keeping in mind your goal of homeownership.

For more ideas head to our Learning Center: https://www.centralbank.net/learning-center/budget-and-save/easy-budgeting/fall-fun-on-a-budget/

Member FDIC | NMLS # 407985 | Equal Housing Lender

09/30/2026

Seller concessions can do more than just help with closing costs.

Depending on the loan program and how your financing is structured, they may be used toward a temporary 2-1 buydown, eligible closing costs and prepaids, or even a permanent rate buydown.

The best option really depends on your timeline, cash needed at closing, and long-term goals.

If you’re getting ready to make an offer, reach out to me before you write it. We can compare the options and see what may make the most sense for your situation.

C.O. Scheffer | VP, Mortgage Loan Officer| NMLS # 541779
Member FDIC | NMLS # 407985 | Equal Housing Lender

09/29/2026

I'm more than just your mortgage lender. 🤍

With me, it’s not just another transaction - it’s the beginning of a lifelong relationship! Message me today to get started on your homeownership journey.

Member FDIC | NMLS # 407985 | Equal Housing Lender

09/25/2026

Buying your first home can feel overwhelming — but you don’t have to figure it out alone. Programs like FHA loans are designed to make homeownership more accessible for first-time buyers. A conversation can help you understand what options may be available.

Member FDIC | NMLS # 407985 | Equal Housing Lender

09/23/2026

While you may be tempted to start touring homes the second you think about buying, getting preapproved is a key step in the process you don't want to skip.

Preapproval provides you with a clear price range, demonstrates to sellers that you’re serious, and enables you to act quickly when you find your dream home. This step significantly simplifies the home-buying experience.

Message me today, and let’s get you preapproved!

Read more about the benefits of preapproval here: https://www.centralbank.net/learning-center/homeownership/buying/5-tips-for-homebuyers/
Member FDIC | NMLS # 407985 | Equal Housing Lender

09/15/2026

If you buy a home now, you could spend the rest of the year making memories in your new space! If you're interested in being home before the holidays, send me a DM!

Member FDIC | NMLS # 407985 | Equal Housing Lender

09/09/2026

Everyone's financial situation is different. However, a great way to start building your long-term wealth is by buying a home. Part of each mortgage payment goes toward your loan principal, turning your housing cost into a tangible asset. Additionally, homes generally appreciate in value over time, making them a solid investment.

There are loan programs specifically designed to help first-time homebuyers achieve homeownership, and I would love to meet with you to see if you qualify!

Learn more about the pros and cons of renting and buying: https://www.centralbank.net/learning-center/homeownership/buying/buying-vs-renting-infographic/

This is not a commitment to lend or extend credit. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. All rates, programs and fees are subject to underwriting guidelines and are subject to change without notice. Other restrictions may apply. See bank for details. The Central Trust Bank NMLS #407985 MEMBER FDIC 238 Madison St, Jefferson City, MO 65101. Copyright Central Bancompany. All rights reserved.

09/07/2026

Our offices may be closed today, but I'm still here to help! If you have any questions or need assistance, don’t hesitate to reach out via call, email, or direct message. Wishing you a wonderful holiday!

Address

720 E. Broadway
Columbia, MO
65201

Website

http://www.centralbank.net/coscheffer

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