Photo of Jacob  Thomas
Phone
MAIN: 573-673-6332
OFFICE: 573-818-2209
NMLS #: 2390940
Company NMLS #: 227262

Jacob Thomas 

Mortgage Loan Originator 

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.
Phone
MAIN: 573-673-6332
OFFICE: 573-818-2209
NMLS #: 2390940
Company NMLS #: 227262

Jacob Thomas 

Mortgage Loan Originator 

Get ready to get approved!

It’s easy to get prepared for your application. Depending on your unique financial situation, there are several documents you might need when applying for a home loan. It’s a good idea to start prepping your financial documents before you start to ensure a smooth application process. Here is a list of the most common documents to have on hand before you start:

  • Two most recent years W2s
  • Two most recent years tax returns (personal & business if applicable)
  • Two most recent paystubs
  • Two most recent months bank statements
  • Two most recent months 401K or retirement statement
  • Copy of front of valid drivers license

Apply Now

Click link to see applicable state licensing.

About

Teamwork divides the task and multiplies the success.  That is what you get with USA Mortgage, a team working as a single unit to make your loan a seamless process, helping you realize your dreams.  I am no stranger to championship-level teams. I have four years of final finishes at the Big XII championships with the University of Missouri Tigers Swimming, which coincided with a magna cum laude academic career with the MU College of Business and then the prestigious firm of Bear Stearns in Manhattan, New York, where the real education began.  All this training and experience left me with great stories and a promising outlook, then the financial mortgage crisis of 2008 left me wondering what went wrong.

The takeaways from this great American catastrophe are diverse and dynamic but nothing struck me more than how millions of Americans were able to take impractical loans they could not afford against property with irrational valuation.  Ultimately this is the basis for what the talented team at USA Mortgage has been brought together to do; evaluate market factors as they change using a deep network of expert analysis in real-time, educate consumers in open communication throughout every step of decision-making, and process all regulatory and lending requirements to the minute detail ensuring your goals are achieved in time as promised.

My team’s success is again multiplied by the tireless contributions of my loving wife Natalie Thomas, a Columbia native and Director of Advancement with Columbia Independent School.  Together we hope to bring useful change to our community.  We are blessed with two beautiful children Jake Boone and Margot “Gigi” Rose, our golden doodle Winnie and our most recent rescue, a lemon beagle named Cherry.  We love to enjoy all that Columbia and the Lake of the Ozarks have to offer. You will likely run into us around town enjoying some time away from the office.  Beware we are sweat enthusiasts and after a drink will likely encourage you to join us at our local Orange Theory gym to enjoy working it off for another great day!  The team and I are looking forward to making your next dream your newest reality!


Reviews

15 Reviews Found. Average score 4.87 out of 5 Stars
Now showing page 2 of 2.

Joshua C. in Columbia, MO

Great Experience on July 23, 2023
Was my first time home buying and Jacob was very helpful with any and all questions i had
Loan Originator: Jacob Thomas

Tyler M. in Moberly, MO

Great Experience on June 7, 2023
Jacob was very helpful explaining the home buying process and walking through all the paperwork associated with the loan process. Jacob was very prompt and available in answering questions and went above and beyond to make sure we were on time for closing and all my questions were answered and also took care of a lot of things to make it easier. I had a great experience and I will recommend Jacob to anyone looking to buy a home
Loan Originator: Jacob Thomas

Shelby A. in Clark, MO

Great Experience on March 18, 2023
Having someone walk me through the process and was timely.
Loan Originator: Jacob Thomas

John T. in Columbia, MO

Great Experience on January 11, 2023
Good people
Loan Originator: Jacob Thomas

Taylor P. in Sedalia, MO

Great Experience on January 3, 2023
He was very helpful and made buying a home easy!
Loan Originator: Jacob Thomas

Jerome M. in Independence, MO

Great Experience on December 23, 2022
Jacob was involved during the final stages of the process and pulled through to close on time
Loan Originator: Jacob Thomas

Kendra J. in Columbia, MO

Great Experience on October 25, 2022
Jacob made communications easy!
Loan Originator: Jacob Thomas

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.