Beth Sullivan, Mortgage Loan Officer

Beth Sullivan

Mortgage Loan Officer

Central Bank of Lake of the Ozarks
3848 Osage Beach Parkway
Osage Beach, MO 65065
Toll Free: (800) 547-2438, ext. 22444
p: (573) 302-2444
c: (816) 351-9191
f: (573) 302-2449
Email Beth
NMLS# 1681954

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Mortgage Checklist

This checklist can help you gather the documents you need to proceed with the loan.

View or print our Mortgage Checklist

  • Completed Loan Application and Signed Authorization
  • Homeowners Insurance Declaration Page (If refinancing)
  • Current Mortgage Statement (If applicable)
  • W2s from last two years
  • 30 days pay stub with YTD earnings
  • 2 months current bank statements, all pages
  • Social Security or Pension Awards letters (If applicable)
  • 2 Years tax returns
  • Divorce Decree (If applicable)
  • Trust Documents (If applicable)

Beth is a dedicated and committed Mortgage Loan Officer, who will work tirelessly to get her clients the very best results possible. Beth treats her clients as friends and works to make sure they receive the loan program that is right for them, whether it’s a dream home, vacation home or investment property, Beth enjoys seeing her clients reach their goals.

Beth has lived at the Lake for 10 years with her husband and two young children and looks forward to assisting you with your next purchase or refinance.

Please contact Beth with any questions or to set up your lending consultation today.

Calculate Your Future Mortgage Payment

The parts of your monthly mortgage payment include both repayment of the loan principal and the monthly interest on the outstanding balance. A mortgage payment can also include pre-payments on property taxes, homeowner’s insurance and monthly homeowner’s association dues into an escrow account managed by your lender. Calculate your estimated yearly costs below and monthly payment to help you decide how much you can afford.



Customize Rates


Recommended: 20%

Government Loan Options:
if applicable

Current Rates

We offer many loan options for investment properties, please contact a loan officer for details.

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The Central Bank Rate Quote Tool is provided for informational purposes only and does not represent a credit decision or commitment to lend. Results depend on many factors, including the assumptions you provide.

The Rate Quote Tool assumes the property is a Single Family Detached Home, the borrower has excellent credit (including a FICO Score of 740 or greater) and a lock period of 45 days.

All rates and programs subject to loan underwriting and approval and may be subject to change depending on individual credit profile and other qualifications.  Interest rates and program terms are subject to change without notice. 

Monthly payment does not include amounts for taxes, property insurance and mortgage insurance (where applicable). Your actual rate, APR, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.

* The annual percentage rate ("APR") calculations in the display are based on current interest rates and estimated finance charges. Actual charges may vary based on the terms of the loan and geographical area.

USDA loans are subject to an annual 'Guarantee Fee' equal to 0.35% of the amount financed, payable in equal monthly amounts.