Stephen Kofoed

Mortgage Loan Officer

Central Bank of Lake of the Ozarks
3848 Osage Beach Parkway
Osage Beach, MO 65065
p: (573) 348-0486, ext. 22265
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.

  • 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

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.

 

 

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