Jacob M. Garrett - Mortgage Loan Officer

Jacob M. Garrett - Mortgage Loan Officer As a mortgage loan originator, I work hard to shop and compare competitive home loan options. Whether you're
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Welcome to Motto Mortgage Pathway, your trusted mortgage brokerage in Columbia. We specialize in personalized home loan solutions and connect you with a wide network of wholesalers to ensure a transparent and efficient financing experience.

When you’re looking for a home loan, you shouldn’t have to settle for the first option you see.As a personal home loan s...
09/10/2026

When you’re looking for a home loan, you shouldn’t have to settle for the first option you see.

As a personal home loan shopper, I compare mortgage options from multiple lenders to help find a loan structure that fits your unique goals and circumstances. That may include looking at different loan types, terms, qualification guidelines, and payment scenarios: not just one rate quote.

My job is to do the legwork, explain your choices in plain language, and guide you through a process that can feel complicated. Whether you’re a first-time buyer, moving to a new home, or refinancing, you deserve someone in your corner.

I’m proud to help neighbors in Columbia and Ashland, and borrowers across Missouri. If you have questions, let’s start with a conversation: no pressure, just clear guidance.

Reach out anytime. I’m happy to help you explore your options.

A housing market snapshot is more than a national headline. 🏡 Local conditions in Columbia and Boone County can vary by ...
09/09/2026

A housing market snapshot is more than a national headline. 🏡 Local conditions in Columbia and Boone County can vary by neighborhood, price range, and property type: so here are four things to watch:

✅ Inventory: How many homes are available, and are buyers gaining more choices?
✅ Days on market: How quickly are homes moving in a specific area and price range?
✅ Price changes: Are asking prices adjusting, and how does that compare with final sale prices?
✅ Seller concessions: Are sellers offering credits that may help with closing costs or a rate buydown, subject to loan guidelines?

The right way to read the market is to look at several indicators together: not just one headline or percentage.

Whether you’re buying in Columbia, Boone County, or anywhere across Missouri, I can help you understand your options and run the numbers for your situation.

Have questions about what today’s market may mean for you? Reach out anytime.

Labor Day with my mom and dad in Eureka Springs was the perfect way to end summer with a bang. ❤️No big agenda: just tim...
09/08/2026

Labor Day with my mom and dad in Eureka Springs was the perfect way to end summer with a bang. ❤️

No big agenda: just time together, good memories, and a reminder that the simple moments with family are often the ones we treasure most.

Now I want to see your Labor Day memories! Share a photo in the comments and tell me how you wrapped up the summer. 📸

Your monthly mortgage payment is more than just the interest rate. 🏡It may include:• Principal : pays down your loan bal...
09/08/2026

Your monthly mortgage payment is more than just the interest rate. 🏡

It may include:
• Principal : pays down your loan balance
• Interest : the cost of borrowing
• Property taxes : helps fund local services
• Homeowners insurance : helps protect your home
• Mortgage insurance : may apply with certain loan programs or down payments

That’s why it’s important to look at the full monthly payment: not just the advertised rate: when comparing loan options. The right choice depends on your goals, budget, down payment, and overall financial picture.

I’m here to help you understand the numbers and compare options from lenders across Missouri. Have questions about what your payment could include? Reach out anytime. Let’s make the mortgage process a little simpler.

Thinking about buying a home? A mortgage pre-approval is an early review of your income, assets, debts, and credit to es...
09/07/2026

Thinking about buying a home? A mortgage pre-approval is an early review of your income, assets, debts, and credit to estimate what you may be able to borrow.

It can help you:
✅ Understand a realistic price range
✅ Move forward with more confidence
✅ Identify questions or paperwork to address before house hunting

A pre-approval is not a guarantee of financing, and your final loan approval depends on additional review and the property itself. But it can be a helpful first step when you’re ready to explore homeownership.

Have a mortgage question you’d like answered in a future Ask Jacob post? Send it my way! I’m here to help homebuyers across Missouri.

Call 573-864-0051 or email [email protected].

How is summer already almost over? ☀️The season always seems to move a little too quickly, but it leaves behind so many ...
09/06/2026

How is summer already almost over? ☀️

The season always seems to move a little too quickly, but it leaves behind so many good memories: road trips, family time, local events, late sunsets, and the ordinary moments that end up meaning the most.

One highlight this summer was spending time with my family in Destin, Florida. As someone who calls this community home, I’m grateful for the people and places that make summertime special. Whether your summer was packed with adventure or made up of simple evenings close to home, I hope it gave you plenty to smile about.

What was your favorite summer memory this year? Share it below( I’d love to hear about it!)

🏡 BIG NEWS FOR MANUFACTURED HOME BUYERS!Freddie Mac has updated its guidelines to allow financing on certain manufacture...
09/05/2026

🏡 BIG NEWS FOR MANUFACTURED HOME BUYERS!

Freddie Mac has updated its guidelines to allow financing on certain manufactured homes that have been moved from another site. 🎉

This is a significant change for buyers who may have previously been told financing wasn’t an option.

The manufactured home must meet specific requirements, including:

✅ A structural integrity inspection by a licensed professional engineer or appropriate local, state, or federal authority

✅ The inspection report must be retained in the mortgage file

✅ The home must be located in a zone that is no more restrictive than the zone for which it was originally constructed

If you’re considering purchasing a manufactured home that has been moved, don’t assume you can’t get financing. There may now be an option!

📲 Reach out to me or the team at Motto Mortgage Pathway and we’ll help you explore your options.

Saturday plans? The Columbia Farmers Market is happening September 5, 2026, from 8:00 a.m. to 12:00 p.m. at the MU Healt...
09/05/2026

Saturday plans? The Columbia Farmers Market is happening September 5, 2026, from 8:00 a.m. to 12:00 p.m. at the MU Health Care Pavilion at Columbia’s Agriculture Park, 1769 W Ash St, Columbia, MO.

Come enjoy local produce, artisan goods, and the simple joy of connecting with neighbors. Events like this are a good reminder that home is more than an address, it’s the community around us. 💙

Please verify event details before heading out: https://www.visitcolumbiamo.com/event/columbia-farmers-market-22/

If homeownership is on your September list, I’m here to help make the mortgage process easier with personalized guidance and loan options tailored to your situation. I serve homebuyers statewide across Missouri. Reach out anytime!

September is a good time to pause, listen, and think about what comes next. For me, being a hometown mortgage broker mea...
09/03/2026

September is a good time to pause, listen, and think about what comes next. For me, being a hometown mortgage broker means more than helping with numbers. It means getting to know your goals, answering your questions, and staying available throughout the home loan process.

I’m proud to be rooted in the Columbia and Ashland communities while helping borrowers across Central Missouri and statewide. Every borrower’s situation is different, so I take the time to explore options that fit your goals: not just hand you a one-size-fits-all answer.

Whether you’re buying your first home, moving, refinancing, or simply wondering what may be possible, I’m here to help you take the next step with confidence.

Have questions? Reach out anytime. Let’s start the conversation.

Home is a comfort for every member of the family.Give them the space to stretch out, settle in, and truly feel at home.L...
09/01/2026

Home is a comfort for every member of the family.
Give them the space to stretch out, settle in, and truly feel at home.

Looking for a place the whole family (even the furry ones) will feel at home? Reach out to get pre-qualified.

Address

803 East Walnut Street, Suite #403 Suite #403
Columbia, MO
65201

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+15738640051

Website

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