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.

💡 Pre-qualification and pre-approval sound similar, but they’re not interchangeable. Pre-qualification is a starting po...
06/09/2026

💡 Pre-qualification and pre-approval sound similar, but they’re not interchangeable.

Pre-qualification is a starting point, based on self-reported details. Pre-approval is a more thorough review of your finances, giving you a verified amount and making your offer on a home more competitive.

If you want to get a feel for what you can afford before shopping around, getting pre-qualified can help. If you’re serious about buying, pre-approval is the way to go.

Explore your options with confidence. Reach out to get started.

Ever felt like building your dream home is a mountain of paperwork waiting to happen? 🏡 Between finding the land, hiring...
06/09/2026

Ever felt like building your dream home is a mountain of paperwork waiting to happen? 🏡

Between finding the land, hiring a builder, and securing a loan, it can feel like a lot. But here’s some good news: it doesn’t have to be a double headache!

With our 5% Down One-Time Close (OTC) Construction Loan, we simplify the whole thing. Instead of juggling two separate loans: one for the build and another for the mortgage: this program combines them into one single loan with just one closing.

That’s right: 5% down and one set of closing costs. 📉

Whether you’re looking to build in Columbia or anywhere across the great state of Missouri, I’m here to do the legwork and find the most competitive options for your unique situation. I love helping my neighbors turn a blueprint into a front door key!

Want to see if a construction loan is the right move for your summer plans? Shoot me a message or give me a call: I’d love to help you navigate the process step-by-step.

There’s something about that first sip of coffee on a Monday morning that just hits different. ☕️For me, it’s more than ...
06/08/2026

There’s something about that first sip of coffee on a Monday morning that just hits different. ☕️

For me, it’s more than just a caffeine kick: it’s a ritual. It’s my time to reset and get focused for the week ahead. Since it’s officially National Homeownership Month, that "fresh start" feeling is on my mind even more than usual.

There’s nothing quite like the feeling of walking into a home that is finally yours. It’s the ultimate fresh start, and I want to help you get there.

Right now, we have some incredible ways to help you save before June ends! If you’ve been waiting for the right moment, our Refi 86 incentive and our lender-paid temporary 1-0 rate buydown are both available through June 30th. These are huge tools to help you secure a more comfortable monthly payment.

Whether you're shopping for your first home or looking to refinance your current one anywhere in Missouri, I’m ready to do the legwork for you.

Let’s kick off this month by finding your fresh start. Drop a comment or send me a message to see what options we can find for you!

Is it just me, or did June just sneak up on us? ☀️Now that we’ve officially kicked off the summer season, I’m curious: w...
06/06/2026

Is it just me, or did June just sneak up on us? ☀️

Now that we’ve officially kicked off the summer season, I’m curious: what’s on your bucket list this year?

I’m personally looking forward to spending some quality time by the water and maybe finally perfecting my grill game (though my family might tell you I still have a long way to go!). Whether you’re planning a big trip to the Lake, hiking some of our beautiful Missouri trails, or just catching some rays in the backyard, I want to hear about it.

It's National Homeownership Month, and while I'm busy helping folks find their dream homes across the state, I always make sure to carve out a little time for some summer fun.

Drop a comment below and let me know what you're most excited for this season! 👇

Yes! It's possible to get a mortgage even if you’ve just started a new job. While lenders often prefer a two-year job hi...
06/05/2026

Yes! It's possible to get a mortgage even if you’ve just started a new job. While lenders often prefer a two-year job history, many understand that employment changes happen and so will take into consideration other factors like your credit score, debt-to-income ratio, and savings.

Different lenders have different guidelines, so it’s important to shop around and find one that makes the most sense for you!

Ever wonder why I get so fired up about mortgage rates and loan terms? It’s simple: because I love seeing people in our ...
06/04/2026

Ever wonder why I get so fired up about mortgage rates and loan terms? It’s simple: because I love seeing people in our community unlock the door to their own home.

I know the mortgage process can feel like a mountain of paperwork and confusing jargon, but that’s where I come in. Think of me as your personal home loan shopper. I’m not just here to "process a loan": I’m here to scout out the most competitive options across the state of Missouri to find the perfect fit for your unique situation.

Whether you're a first-time buyer or looking to refinance before our Refi 86 or 1-0 Buydown incentives end on June 30th, my goal is to do the heavy lifting for you. I want you to feel confident and informed every step of the way.

Helping my neighbors achieve the dream of homeownership is what gets me out of bed each morning. If you’re ready to start your journey or just have a few questions, reach out! Let’s get you moving.

Call or message me today to kick off the conversation!

💡 Condo or townhome? Your HOA only insures the outside. You need your own policy (an HO‑6) to protect the inside of your...
06/03/2026

💡 Condo or townhome? Your HOA only insures the outside. You need your own policy (an HO‑6) to protect the inside of your unit.
Look for Loss Assessment Coverage, it can help if the HOA charges a surprise special assessment after a covered loss.
Some HO‑6 policies include Loss Assessment Coverage, which can help pay your share if the HOA issues a special assessment after a covered event (like storm damage or major repairs).

Ready to be a homeowner (including making smart choices to protect your investment)? Reach out for more information!

Leveraging your equity can be a way to better your home or your life (it’s one of the great things about homeownership t...
06/03/2026

Leveraging your equity can be a way to better your home or your life (it’s one of the great things about homeownership that no one tells you about.)

Interested in exploring a home equity loan? Reach out with your questions!

Tick-tock. The clock is officially running on our Refi 86 incentive! 🕒If you’ve been thinking about refinancing your Mis...
06/03/2026

Tick-tock. The clock is officially running on our Refi 86 incentive! 🕒

If you’ve been thinking about refinancing your Missouri home, now is the time to move your thumb to the beat and get started. We’re diving deep into the Refi 86 program, but here’s the catch: the deadline to take advantage of this specific incentive is June 30th.

Think of me as your personal home loan shopper. I don’t just look at one option; I scour multiple lenders to find the most competitive rate, term, and loan type for your unique situation. Whether you're looking to lower your monthly payment, pull out some equity for a summer project, or shorten your loan term, I do the heavy lifting for you across the entire state of Missouri.

Refinancing shouldn't feel like a chore or a mystery. I’m here to guide you through the process step-by-step, crunched numbers and all. But once the calendar hits July, this specific opportunity is off the table.

Ready to see what you could save? Reach out to kick off the conversation or shoot me a message to get a quick rate quote. Let's make sure you don't miss the June 30th cutoff! 🏡✨

Welcome to June! ☀️It’s officially National Homeownership Month, and around here, that’s something to get you out of bed...
06/02/2026

Welcome to June! ☀️

It’s officially National Homeownership Month, and around here, that’s something to get you out of bed each morning. There’s nothing quite like the feeling of handing over the keys to a first-time buyer or helping a neighbor settle into their dream home right here in Missouri.

To celebrate, I’m putting a little extra wind in your sails this month. If you’ve been thinking about a move or looking to save on your current mortgage, now is the time to chat. We’ve got two big incentives running through June 30th: the ‘Refi 86’ and our ‘1-0 Buydown’ (where the lender helps lower your rate for the first year!).

They expire at the end of the month, so don’t let your thumb do all the work: reach out today and let’s see what we can do for you. Whether you’re in Columbia or anywhere else in the state, I’m ready to be your personal home loan shopper.

Let's make this the month you move in! 🗝️🏡

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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