Stephen Kofoed

Mortgage Loan Officer

Central Bank of Lake of the Ozarks
6011 Osage Beach Parkway
Osage Beach, MO 65065
p: (573) 302-2472 ext. 22472
c: (636) 266-1460
f: (573) 302-2449
Email Stephen
NMLS# 1783956

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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)

Buying a home is an exciting event! Stephen believes in always putting the customer’s needs first and puts in the time required to make sure every client’s new home purchase is both simple and stress-free.

Stephen has lived throughout Mid-Missouri his entire life, but moved his family full-time to The Lake of the Ozarks in 2018. After graduating from Rolla High School, he earned his bachelor’s degree in Economics and Business Management from Brigham Young University. Now, he and his family enjoy involvement in church and community activities, getting out on the lake, and cheering on our local sports teams.

As a member of the Mortgage Lending team here at Central Bank of Lake of the Ozarks, Stephen would be honored to help you purchase your first home, obtain a Home Equity Line of Credit, or close the deal on that vacation home you’ve been planning on. Get in touch with Stephen to make sure you’re a top priority!

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.