Russell Clay

Mortgage Loan Officer

Central Bank of Lake of the Ozarks
3848 Osage Beach Parkway
Osage Beach, MO 65065
Toll Free: (800) 547-2438, ext. 22471
p: (573) 302-2471
Email Russell
NMLS# 539490

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Mortgage Checklist

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

  • 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)

Click here for a printable checklist

Russ began his career in mortgage lending in 1999 and came to Central Bank of Lake of the Ozarks in 2003. He is responsible for managing the Mortgage Division. In addition, to managing the department he specializes in providing mortgage loans for one to four family residential transactions. Lending at Lake of the Ozarks can be a challenge, but with Russ's expertise and experience he will do everything within his power to make your purchase or refinance transaction go smoothly. Give him a call, let him help you with that next purchase or refinance!

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.

 

 

Check current rates

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Interest Rate
APR
Monthly Payment
Principal & Interest
Down Payment
Assumes purchase price of
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More Fixed Rates
 
Interest Rate
APR
Monthly Payment
Principal & Interest
Down Payment
Assumes purchase price of
View assumptions & disclosures