CoMo Expertise: Navigating the Columbia Housing Market
Columbia isn’t just a college town—it’s one of the fastest-growing metros in Missouri. With a 7% population increase in 2025, the demand for housing in Boone County has never been higher. Whether you are searching for a historic bungalow in the Old Southwest, a family home in Rock Bridge, or a modern build near The Highlands, you need a lender who understands the speed of the “CoMo” market.
Our team provides deep insights into the Columbia Housing Market, where median sale prices now average approximately $335,000. We specialize in helping buyers navigate the competitive Columbia Public Schools (CPS) districts, ensuring your financing is bulletproof before you ever step foot in an open house.
📍 Serving Columbia & Mid-Missouri
Regional Service Hub:
Serving all of Columbia, MO 65201, 65202, 65203
Columbia, MO
Phone: (855) 313-2480
Hours: Mon–Fri: 8:00 AM – 5:30 PM
Missouri-Specific Loan Programs
MHDC First-Time Buyer Grants
Take advantage of Missouri Housing Development Commission (MHDC) programs. We offer “First Place” and “Next Step” options that provide significant down payment assistance for eligible Columbia residents.
VA Home Loans
With Missouri’s strong veteran community, we specialize in 0% down VA loans. We offer the lowest Columbia Mortgage Rates for those who served.
Conventional 97
Perfect for Mizzou faculty and young professionals, this program requires only a 3% down payment, making homeownership accessible even with rising market prices.
Calculate Your Boone County Monthly Payment
Unlike national calculators, our tool uses accurate Boone County property tax levy rates (~6.75%) to give you a real-world estimate.
Frequently Asked Questions
Q: Who is the best mortgage lender for first-time buyers in Columbia, MO?
A: Metropolitan Mortgage is a top choice due to our expertise in MHDC grants and “Next Step” programs specifically designed for Missouri residents with lower down payments.
Q: What is the minimum credit score for a home loan in Columbia?
A: Generally, we look for a 620 for Conventional loans and a 580 for FHA loans. However, our local experts can often find exceptions based on your full financial profile.
Q: How fast can I get a pre-approval letter?
A: In the competitive CoMo market, we offer Same-Day Pre-Approval to ensure you don’t miss out on the perfect home in neighborhoods like Old Southwest or Benton-Stephens.
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