• Our Leanders
    Jessica Backs

    Jessica Backs

    Community Development Lending Officer

    350 Hartman Lane 
    O'Fallon, IL 62269 
    p: 314.835.3737 
    c: 618.910.0496 
    f: 314.746.4609 
    Email Jessica 
    NMLS# 1449777

    With over 10 years of experience in the mortgage lending industry Jessica takes pride in providing the best mortgage lending solutions for her clients. Adding to her mortgage experience, Jessica has a Bachelor of Science in Business Administration from Lindenwood University and is currently working toward her Masters in Administration Management. She is also a member of the REALTOR Association of Southern Illinois (RASI) and Columbia’s Resourceful Organization of Women Networking (C.R.O.W.N.).

    Providing excellent customer service is a top priority for Jessica. Whether you are looking to purchase or refinance, Jessica can help!

    Support Staff:
    Zach Bolte, Processor, 314.219.0420, Email Zach, NMLS#916553

    Questions? We are here to help you.

    Calculate a Mortgage Payment

    Understanding your potential mortgage payment will help you determine what type of home is within your reach.

    Your monthly mortgage payment includes both repayment of the loan principal, plus 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.



    Your Application Essentials

    Whether you’re purchasing or refinancing, Central Bank is here as your number one resource through your application and home-buying process.

    Necessary Documents to Process Your Loan

    Since the financial crisis of 2008, there are over 400 new regulations that impact mortgages. But don’t worry; we are here to help navigate these for you. These new checks and balances are necessary to protect you and to process and approve your loan. We are experts in this area, reviewing your full individual financial situation, so we can issue you a clean loan approval. The four categories we consider when approving your loan include: income, assets, collateral and credit.

    Employment Income Verification:
    To verify your employment income, we will need your last 2 years of W-2 statements and a full 30 days of paystub statements.

    Assets:
    To verify your assets, we will need at least 3 months of checking, savings, investment and, if applicable, retirement statements, such as IRA’s or quarterly 401k statements.

    Collateral:
    Along with your income and assets verification, we will need these documents and information regarding your new home purchase.

    Credit Score:
    Your credit score is one of the main elements of information we will use to evaluate your application.