Leah Young - NMLS# 1965148 - Central Bank

Leah Young - NMLS# 1965148 - Central Bank My goal is to make sure my clients are informed to ensure a more enjoyable home buying experience. I work with Conventional, VA, FHA, & USDA loans.

I am a Mortgage Loan Officer, with over 15 years of experience in the real estate and lending industry. NMLS # - 1965148

05/26/2026

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

Today, we remember the courageous men and women who made the ultimate sacrifice for our country.
05/25/2026

Today, we remember the courageous men and women who made the ultimate sacrifice for our country.

A 30-year fixed mortgage isn’t the only path to homeownership. Depending on your timeline and goals, an Adjustable-Rate ...
05/21/2026

A 30-year fixed mortgage isn’t the only path to homeownership. Depending on your timeline and goals, an Adjustable-Rate Mortgage (ARM) may be a smart option to consider.

ARMs typically begin with a fixed rate for a set period and may offer lower initial payments than some fixed-rate loans. After that period ends, the rate may adjust based on the loan terms.

If you’d like to see whether an ARM could fit your plans, let’s connect!

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/19/2026

Thinking about renovating? Not every project delivers the same return. Some upgrades look great, while others may have stronger impact on future resale value.

Improvements many buyers notice most often include updated kitchens, refreshed bathrooms, paint, flooring, and strong curb appeal. Just as important is having a smart plan for how those projects are financed.

We’re seeing more homeowners consider using available equity to make focused upgrades that support their goals. The best path depends on your timeline, budget, and overall financial picture.

The smartest renovations aren’t just about design—they’re about strategy.

For 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

05/14/2026

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.

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/12/2026

Did you know electronics like your coffee maker or phone charger can drive up your electricity bill even when they’re turned off? Those small costs really add up. The easy fix? Start by unplugging devices when you aren’t using them to keep that extra cash in your pocket!

Which appliance are you always forgetting to unplug?

For more ways to save visit our Learning Center: https://www.centralbank.net/learning-center/budget-and-save/easy-budgeting/seven-ways-to-save-on-your-electric-bill/

Member FDIC | NMLS # 407985 | Equal Housing Lender

Happy Mother’s Day to all the amazing moms out there. 💖Thank you for everything you do, often without recognition and wi...
05/10/2026

Happy Mother’s Day to all the amazing moms out there. 💖

Thank you for everything you do, often without recognition and without expecting anything in return. I hope today you feel appreciated, celebrated, and loved!

05/07/2026

Buying a home may be closer than you think. For qualified borrowers, an FHA loan can offer a lower down payment option and a more flexible path to homeownership than many people expect.

It’s a popular option for many first-time buyers, but the right loan always depends on your full financial picture and long-term goals.

Questions about whether FHA could be a fit for you? Reach out today!

Member FDIC | NMLS # 407985 | Equal Housing Lender

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3333 S. National Avenue
Springfield, MO
65807

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