Don Carriker | Liberty Bank - Mortgage Division

read moreHave you ever had the chance to hear Don on KSGF Radio? If not, here's your chance. Don recently filled in for Nick Reed on the Nick Reed radio show. We are excited to announce that USA Mortgage in Springfield, MO is moving to our brand new office this coming Monday, April 16th, 2018! After 6 years in our current location, it is time to move and we are excited to announce our new office location. Well it's that time of year again. Everyone talks about going to the gym or trying to get that promotion this year or maybe buy a new vehicle or even a home.

read moreHi, I am Don Carriker and our company, USA Mortgage, closes over $1 billion dollars per year in home loans in Missouri. This is partially because we do almost every loan type available; including FHA/VA/USDA and conventional loans. We were recently ranked as the #1 USDA lender in the entire state of Missouri, for the past 4 years running! We are truly passionate about helping people attain the dream of home ownership by getting them GREAT Home Loans! I consider myself to be a native of Springfield as I have now lived here over 30 years.

read moreSo, you think you are in the market to purchase a home, but you don't know where to start. We understand as it can be a very scary thing to make the largest purchase you have ever made in your life with the hopes that it will all work out. We can help you understand the ins and outs of this seemingly complicated process. Since Don has a teaching degree he can help you learn this process and make you feel very comfortable and confident in buying your next home. We understand how overwhelming these questions can be, we can walk you through the entire process, step by step, so you will feel confident about your understanding of the process and how to get a great home loan.

read moreThe old rule of thumb used to be that if you don't get at least 1% off your current mortgage rate, then you should not even think about refinancing.this is FALSE! The best way to determine if you should refinance is to ask yourself one simple question, "How long do you plan on keeping the loan?" This is the most important question because, if the refinance can save you many times more than it will cost you to refinance, then you should do it. This is what we call your breakeven point. Let's say that by refinancing you will save $100 per month on your house payment, but it's going to cost you $2,400 to do it.