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

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.

06/02/2026

Imagine hosting your friends and family this summer in your own backyard, enjoying barbecues, pool parties, and late-night bonfires!

I specialize in helping you find the perfect mortgage to turn your summer party dreams into reality. No matter your budget or needs, I’m here to guide you every step of the way. 🏡

Ready to make unforgettable memories? Check out these tips for hosting summer parties on a budget: https://www.centralbank.net/learning-center/budget-and-save/easy-budgeting/hosting-summer-parties-on-a-budget/
Member FDIC | NMLS # 407985 | Equal Housing Lender

05/27/2026

Graduating this May? First of all, congrats! 🎓

Second of all... do you have a path to homeownership yet? If not, don’t sweat it. Start with these 3 small steps today—and send me a DM so we can map out a plan that actually works for you!

Member FDIC | NMLS # 407985 | Equal Housing Lender

In honor of Memorial Day, our offices are closed today, Monday 5/25. In the meantime, feel free to leave a DM and I'll g...
05/25/2026

In honor of Memorial Day, our offices are closed today, Monday 5/25. In the meantime, feel free to leave a DM and I'll get back to you as soon as possible! 🦅

05/25/2026

Not every homebuyer has the same plan—and not every mortgage should be one-size-fits-all. For some buyers, an Adjustable-Rate Mortgage (ARM) may offer a lower initial rate and lower payments during the early years of the loan.

That can be worth exploring for buyers with shorter-term goals or those who may not plan to keep the loan long-term. The right fit always depends on your full financial picture and future plans.

Reach out today to explore your options: https://www.centralbank.net/coscheffer/

Member FDIC | NMLS # 407985 | Equal Housing Lender

Warm weather is approaching! Which would you choose for summertime? 🌞Drop a comment with your picks below!Member FDIC | ...
05/20/2026

Warm weather is approaching! Which would you choose for summertime? 🌞

Drop a comment with your picks below!

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/18/2026

A changing market calls for creative solutions. One option some buyers are exploring is a temporary rate buydown—designed to lower the interest rate for an introductory period on eligible loans.

In certain transactions, seller or builder concessions may be used toward the buydown cost, subject to guidelines and approval.

Every scenario is different, which is why personalized guidance matters. https://www.centralbank.net/coscheffer/

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/13/2026

Making upgrades to your home this summer? You could repaint the walls or add new trim—or you could invest in fun upgrades that fit your lifestyle and appeal to potential buyers!

I’ve listed six popular home improvements homeowners are loving right now. Share your favorite in the comments! 🏠


Member FDIC | NMLS # 407985 | Equal Housing Lender

05/12/2026

Everyone wants to label this market as either “buyer” or “seller”… but right now, it’s more nuanced than that.

Inventory has improved. Buyers have more choices. Homes may be taking longer to sell in some areas. Yet well-priced, well-presented homes are still moving quickly.

The real advantage today isn’t about waiting for the “perfect” market—it’s about being prepared and having the right strategy for your goals.

If you’re wondering where you fit in today’s market, guidance can make all the difference. 🏡

Market conditions vary by location, price range, and property type, and are subject to change. For informational purposes only and not a commitment to lend or guarantee of loan approval.

To read more, head to our Learning Center: https://www.centralbank.net/learning-center/homeownership/buying/your-guide-to-buying-your-first-home/

Member FDIC | NMLS # 407985 | Equal Housing Lender

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720 E. Broadway
Columbia, MO
65201

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