Kris Sena

Mortgage Loan Officer

Central Bank of Lake of the Ozarks
101 Dogwood Lane
Laurie, MO 65308
p: (573) 348-0486, ext. 22286
c: (402) 880-8820
f: (573) 302-2449
Email Kris
NMLS# 1401302

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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)

Kris is excited about becoming involved in the community after recently moving to the Lake of the Ozarks. Having served as the chairman of the board for the Ralston Nebraska Chamber of Commerce and the Omaha Area Board of Realtors, Kris understands the importance of community and neighbors.

Kris brings with her years of mortgage lending experience and is committed to putting that expertise to work in the Lake Ozarks area. She will offer you expert advice whether you are purchasing a new home or refinancing your primary residence or investing in your dream lake home.

Mid-Missouri life suits Kris and her husband, Bruce. In her free time, she loves to paint, work in her garden, and cook.

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

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Current Rates

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


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.