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.

09/02/2026

Trying to compare a permanent buydown and a temporary buydown?

Here’s the simple difference:

A permanent buydown is focused on lowering the rate for the life of the loan.

A temporary buydown is focused on lowering the payment for an introductory period, often the first 1 to 3 years.

Both can be useful in the right situation, but the better fit depends on your loan type, available funds, seller or builder concessions, and how long you plan to stay in the home.

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

08/18/2026

Newly married and ready to find your dream home together? Here are some essential tips to keep in mind while house hunting!

Send me a message to get started today!

Read more at: https://www.centralbank.net/learning-center/homeownership/buying/tips-to-newlyweds-for-house-shopping/

Member FDIC | NMLS # 407985 | Equal Housing Lender

08/11/2026

It's Back to School Time! 📚

As we gear up for a new school year, it's the perfect opportunity to brush up on some mortgage basics and prepare for your journey to homeownership this fall!

Whether you're a first-time buyer or looking to upgrade, I'm here to help you navigate the process. Have questions? Don't hesitate to DM me anytime!

Member FDIC | NMLS # 407985 | Equal Housing Lender

08/10/2026

FHA financing has helped many buyers move into homeownership sooner—and for the right borrower, it can be a practical and valuable option.

Its more flexible credit and down payment requirements may make homeownership feel more achievable, especially for buyers who are still building savings or strengthening their financial profile.

Choosing FHA should involve more than simply asking whether you qualify. It is also important to understand how the full monthly payment is calculated, how mortgage insurance works, what cash may be needed at closing, and whether the property meets FHA requirements.

Understanding those details can help you see how FHA fits into your complete financial picture and whether it supports both your current needs and long-term goals.

Have questions about FHA financing? Reach out, and we can walk through how it may compare with your other options.

Member FDIC | NMLS # 407985 | Equal Housing Lender

08/04/2026

When deciding whether a Fixed-Rate or Adjustable-Rate mortgage is right for you, it's important to consider your current and future finances.

Message me today, and we can explore your options to find the best path forward.

Read more about the different types of mortgages on our Learning Center: https://www.centralbank.net/learning-center/

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/29/2026

By getting pre-approved, acting decisively, and working with the right mortgage professional, you'll greatly increase your chances of landing the right home at the right price.

I’m here to assist you in your home search—message me today to get started!

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/22/2026

Mortgage Tip!💡

A good credit score is essential for a smooth mortgage process. Before you consider buying, work on improving your credit score if possible. You can do this by paying off debts, paying your bills on time, avoiding applications for new credit (which can result in hard inquiries), and regularly checking for fraud or mistakes.

If you have any questions, contact me today!

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/21/2026

For the people who show up for our communities every day — this one is for you.

Our Service Hero Loan is designed for eligible teachers, firefighters, law enforcement, and EMTs. The program offers up to 100% financing, no borrower-paid mortgage insurance, and is available for the purchase of a primary residence.

Available in every state except Massachusetts, Maryland, California, Delaware, Maine, and New York.

Reach out if you’d like to see if this could be a good fit for your homebuying plans.

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/15/2026

Let’s talk mortgages this July! Message me today, and together we can create a personalized plan just for you!

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/14/2026

Refinancing can be a wise decision, and can allow you to lower your monthly payments, or get a shorter loan term. However, it’s important to evaluate both sides of refinancing. I can help guide you through the decision-making process and find what is right for you.

Contact me today or visit our Learning Center for more: https://www.centralbank.net/personal/home-loans/refinance/pros-and-cons-of-refinancing/

Member FDIC | NMLS # 407985 | Equal Housing Lender

Address

720 E. Broadway
Columbia, MO
65201

Website

http://www.centralbank.net/coscheffer

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