Tamara Witzman, Mortgage Loan Officer

Tamara Witzman

Mortgage Loan Officer

Central Bank of Lake of the Ozarks
611 East North Street
Eldon MO 65026
Toll Free: (800) 547-2438, ext. 22479
p: (573) 302-2479
c: (573) 552-1460
f: (573) 302-2449
Email Tamara
NMLS# 907896

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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)

Tamara is excited to move to the Eldon branch to serve the Eldon community and surrounding areas. She has been in the banking industry for over 10 years and has served as a mortgage processor for over 5 years with Central Bank of Lake of the Ozarks. Being Passionate about Mortgage lending, driven for success, hardworking, and willing to go the extra mile are some of the things that she brings to the table as a loan officer. Tamara attend Columbia College with associate’s degree in Business. She and her husband Todd live in the Rocky Mount area, with four children that are actively involved in the Eldon School district.

No matter the location, Tamara would love the opportunity to work with you on your next real estate transaction and earn your business.

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


Recommended: 20%

Government Loan Options:
if applicable

Current Rates

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

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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.