Cyndy Schnieders

Vice President
Private Banking

Central Bank Jefferson City
111 E. Miller Street
Jefferson City, MO 65101
p: (573) 634-1390
f: (573) 634-7466
Email Cyndy
NMLS# 525962

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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)

Time is one of your most valuable commodities. Let Cyndy maximize it. With more than 40 years’ experience in banking, Cyndy not only takes care of your needs, she anticipates them. Cyndy has extensive knowledge of Real Estate, Retail Banking, and more. She makes your banking personal. Make one phone call to her for anything financial - Cyndy handles the rest.

Cyndy lives in Jefferson City and is heavily involved in the community. She serves on the board of directors for the following organizations: State Technical College, Capital Regional Hospital, ACT MO State Board, Special Learning Foundation and Jefferson City Convention and Tourism.

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.

 

 


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Current Rates


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

INTEREST RATE APR MONTHLY PAYMENT

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.