Leighanne Lamb - NMLS# 468555 - Central Bank

Leighanne Lamb - NMLS# 468555 - Central Bank Making mortgages quick, efficient, and easy. There is nothing like helping someone buy their home.

06/11/2026

Higher rates don’t always mean fewer options. A temporary buydown may help lower your rate for an initial period, which can reduce early monthly payments for qualified borrowers.

Programs, eligibility, and seller/builder contributions vary based on transaction structure and loan type. The best strategy depends on your goals, timeline, and overall financial picture.

If you’d like to explore what options may fit your situation, reach out anytime. 🏡

Member FDIC | NMLS # 407985 | Equal Housing Lender

Open houses are exciting, but it helps to go in with a plan.Before falling in love with the kitchen or backyard, make su...
06/09/2026

Open houses are exciting, but it helps to go in with a plan.

Before falling in love with the kitchen or backyard, make sure you are also thinking about the bigger picture: monthly payment, taxes, HOA dues, location, and what feels comfortable for your budget.

Your Realtor can help you evaluate the home and offer strategy, and your lender can help you understand the financing side.

For informational purposes only. Not a commitment to lend. Loan approval and terms are subject to credit approval, program guidelines, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

Seller concessions can be a helpful tool for buyers in certain situations.Depending on the loan program and transaction ...
06/04/2026

Seller concessions can be a helpful tool for buyers in certain situations.

Depending on the loan program and transaction details, seller concessions may be used toward eligible costs such as closing costs, prepaid items, or a temporary rate buydown.

This can sometimes help reduce the amount a buyer needs upfront or support a payment strategy during the early part of the loan.

Because concession limits and guidelines vary by loan type, it’s important to talk through the numbers before making an offer.

For informational purposes only. Loan approval, terms, costs, and concession limits are subject to borrower qualifications, program guidelines, property eligibility, credit approval, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

Think you need perfect credit or a large down payment to buy a home? Not always. An FHA loan may be worth exploring for ...
05/28/2026

Think you need perfect credit or a large down payment to buy a home? Not always. An FHA loan may be worth exploring for eligible buyers looking for a more accessible path to homeownership.

With lower down payment options and flexible qualification guidelines, FHA financing can be a strong solution depending on your goals and circumstances.

Let’s talk through your options!

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/26/2026

Not every renovation adds real value. Some updates simply improve appearance, while others can make a meaningful difference when it’s time to sell.

Projects that often hold value well include kitchens, bathrooms, fresh paint, updated flooring, and curb appeal improvements. But one of the biggest factors people overlook is how those upgrades are funded.

Many homeowners are exploring ways to use the equity they’ve built for strategic improvements rather than pulling directly from savings. When the right project and the right financing approach align, it can create long-term value.

Because it’s not only what you upgrade—it’s how you position the investment. 🏡

To read more, head to our Learning Center: https://www.centralbank.net/learning-center/homeownership/investing/some-renovation-projects-are-better-than-others-at-recouping-costs/

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.

Member FDIC | NMLS # 407985 | Equal Housing Lender

Forever grateful for the sacrifices of our brave men and women this Memorial Day. ❤️
05/25/2026

Forever grateful for the sacrifices of our brave men and women this Memorial Day. ❤️

If you're a veteran thinking about buying a home, it may be worth exploring whether a VA home loan could be an option fo...
05/21/2026

If you're a veteran thinking about buying a home, it may be worth exploring whether a VA home loan could be an option for you.

Eligible borrowers may include active-duty service members, veterans with an honorable discharge, qualifying National Guard or Reserve members, and surviving spouses who meet program guidelines.

If you have questions or would like to learn more, reach out today!

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/14/2026

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!

Member FDIC | NMLS # 407985 | Equal Housing Lender

Address

111 E. Miller Street
Jefferson City, MO
65101

Telephone

+15736341286

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