Denzel Patterson - NMLS# 1071876 - Central Bank

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Columbia, MO
Denzel Patterson - NMLS# 1071876 - Central Bank

My goal for each of my customers is to make the home buying process as enjoyable as possible.

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.

10/08/2026

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

10/05/2026

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

10/02/2026

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.

Disclosure: Seller concessions are subject to loan program limits, eligible costs, transaction structure, and underwriting approval. Rates, terms, and availability are subject to change. Applicant subject to credit and underwriting approval. Not all applicants will qualify. Central Bank NMLS #407985. Member FDIC. Equal Housing Lender.

09/30/2026

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

09/24/2026

A 2-1 buydown can make the first two years of homeownership feel a little more manageable by temporarily lowering the payment.

The note interest rate stays the same, but payments are calculated using a rate 2 percentage points lower in year one and 1 percentage point lower in year two.

In the example shown, that means about $451 less per month in year one and $231 less per month in year two compared with the full note-rate payment.

The cost of the buydown is funded upfront at closing.

If you’re getting ready to make an offer, it’s worth looking at more than just the purchase price. Sometimes the way the deal is structured can make a meaningful difference in your monthly budget.

Reach out and I can help you run the numbers and see what a 2-1 buydown could look like for your situation.

Member FDIC | NMLS # 407985 | Equal Housing Lender

09/17/2026

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

09/09/2026

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!

09/03/2026

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

Address

Columbia, MO
65201

Website

https://www.centralbank.net/denzelpatterson/

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