Finance Your Home

Financing Your Home with CENTURY 21® Community: Trusted Lenders Across Mid-Missouri and Lake of the Ozarks

At CENTURY 21® Community, we know that securing the right financing is key to a successful home purchase. That’s why we’ve partnered with trusted local lenders who understand the needs of buyers throughout Mid-Missouri and the Lake of the Ozarks region.

In Mid-Missouri, our preferred lender is Flat Branch Home Loans, known for personalized service and a variety of mortgage programs. For homebuyers in the Lake of the Ozarks area, we proudly recommend James Randall, Loan Officer with Preferred Rate, as our trusted financing partner. Whether you're buying in Columbia, Jefferson City, or along the lake shoreline, we’ve got the lender relationships to help you move forward with confidence.

Flat Branch Home Loans – Preferred Lender in Mid-Missouri

When you’re buying a home in Columbia, Fulton, Ashland, or Jefferson City, Flat Branch Home Loans is here to help. As our preferred lender for Boone County, Cole County, Callaway County, Cooper County, Howard County, and Randolph County, Flat Branch offers:

  • Fast pre-approvals

  • Personalized loan programs

  • Local expertise in Mid-Missouri real estate

  • Reliable communication from application to closing

From first-time buyers in Mexico to move-up buyers in Moberly, Flat Branch has become a go-to source for home financing in Central Missouri.

Preferred Rate – James Randall at Lake of the Ozarks

If you're searching for your next home in the Lake of the Ozarks, you need a lender who knows the market. That’s why we work with James Randall, Loan Officer with Preferred Rate. James brings deep knowledge of lake-area property financing, including homes in Camden County, Miller County, and Morgan County.

Whether you're buying a primary residence, vacation home, or investment property near Osage Beach, Sunrise Beach, or Village of Four Seasons, James Randall offers:

  • Competitive loan products tailored to lake-area buyers

  • Expert guidance on waterfront and second-home financing

  • Fast, local support from the beginning of your application through closing

Why Work with Our Preferred Lenders?

By working with Flat Branch Home Loans in Mid-Missouri or James Randall at Preferred Rate in Lake of the Ozarks, you’ll benefit from:

  • Local lenders who understand area-specific real estate nuances

  • Efficient communication between your agent and lender

  • Seamless coordination from pre-approval to closing

  • A trusted team aligned with your goals

Start Your Home Journey with Confidence

At CENTURY 21® Community, we’re committed to making your homebuying experience smooth and stress-free. With our trusted lender partners—Flat Branch Home Loans in Mid-Missouri and Preferred Rate’s James Randall at Lake of the Ozarks—you’re in great hands every step of the way.

Buying in Columbia, Jefferson City, or Fulton? Ask us about getting pre-approved with Flat Branch.
Searching near Osage Beach or Sunrise Beach? Let us connect you with James Randall at Preferred Rate.

 

Homes For Sale

$160,000
3 Beds ⋅ 1 Baths ⋅ 10073726 MLS
This 1.5-story bungalow offers 2 bedrooms, 1 full bathroom, and approximately 1,428 square feet of finished living space. The home features an eat-in kitchen, central air, electric forced-air heat, ceiling fans, and a full unfinished basement with walk-out access. Exterior features includes front and rear porches, garden space, landscaping and more. Conveniently located near area amenities, the property is approximately 0.6 miles from Moser's Discount Foods, 0.6 miles from Fulton State Hospital, 0.7 miles from the Kingdom of Callaway Historical Society, 0.9 miles from Memorial Park, and 1.6 miles from the Fulton Police Department. Fulton offers employment opportunities in healthcare, education, manufacturing, public service, retail, and other local businesses. Major area institutions include Fulton State Hospital, Westminster College, and William Woods University. Prospective buyers, please ensure you have a preapproval letter or proof of funds ready before scheduling a showing. Buyer to verify all measurements and online data.

508 E 10th Street, Fulton

Courtesy of Wolfe Realty

$3,500
2 Beds ⋅ 2 Baths ⋅ 3589042 MLS
Escape to the Private Quarters Club at Porto Cima, where you can enjoy the benefits of a second home without the burden of maintenance. Located on the stunning Shawnee Bend peninsula of the Lake of the Ozarks, this exclusive residence offers deeded ownership (fee simple) with 21 annual days of use. This fully furnished, 1,750 sq. ft. residence is situated directly on the 18th hole of the Jack Nicklaus-signature golf course. The interior boasts 2 master bedrooms, 2 baths, hardwood floors, leather living room furnishings, and Jacuzzi tubs. Relax on your outdoor deck with a golf course view! When "in residence," you, your spouse, and children under 23 enjoy cart-fee-only golf on a course ranked by Golf Digest as one of the nation’s top private courses. You also gain access to the 17,000 sq. ft. clubhouse, fitness facilities, and the Yacht Club, which features a swimming pool, tennis courts, and a full-service marina. Experience true concierge living with pre-arrival services including villa stocking and tee time reservations. Plus, expand your horizons with affiliation to Elite Alliance locations around the world. 2026 dates booked: 09/28/26 - 10/05/26 (S1) & 11/30/26 - 12/07/26 (S3)

Bldg E-19 Via Pendio Drive Unit E-19, Porto Cima

Courtesy of Nettwork Global, LLC (636) 614-5132

$160,000
2 Beds ⋅ 1 Baths ⋅ 132507 MLS
This 1.5-story bungalow offers 2 bedrooms, 1 full bathroom, and approximately 1,428 square feet of finished living space. The home features an eat-in kitchen, central air, electric forced-air heat, ceiling fans, and a full unfinished basement with walk-out access. Exterior features includes front and rear porches, garden space, landscaping and more. Conveniently located near area amenities, the property is approximately 0.6 miles from Moser's Discount Foods, 0.6 miles from Fulton State Hospital, 0.7 miles from the Kingdom of Callaway Historical Society, 0.9 miles from Memorial Park, and 1.6 miles from the Fulton Police Department. Fulton offers employment opportunities in healthcare, education, manufacturing, public service, retail, and other local businesses. Major area institutions include Fulton State Hospital, Westminster College, and William Woods University. Prospective buyers, please ensure you have a preapproval letter or proof of funds ready before scheduling a showing. Buyer to verify all measurements and online data.

508 E 10th St, Fulton

Courtesy of WOLFE REALTY 573-592-1939

$160,000
2 Beds ⋅ 1 Baths ⋅ 26048128 MLS
This 1.5-story bungalow offers 2 bedrooms, 1 full bathroom, and approximately 1,428 square feet of finished living space. The home features an eat-in kitchen, central air, electric forced-air heat, ceiling fans, and a full unfinished basement with walk-out access. Exterior features includes front and rear porches, garden space, landscaping and more. Conveniently located near area amenities, the property is approximately 0.6 miles from Moser's Discount Foods, 0.6 miles from Fulton State Hospital, 0.7 miles from the Kingdom of Callaway Historical Society, 0.9 miles from Memorial Park, and 1.6 miles from the Fulton Police Department. Fulton offers employment opportunities in healthcare, education, manufacturing, public service, retail, and other local businesses. Major area institutions include Fulton State Hospital, Westminster College, and William Woods University. Prospective buyers, please ensure you have a preapproval letter or proof of funds ready before scheduling a showing. Buyer to verify all measurements and online data.

508 E 10th St, Fulton

Courtesy of Wolfe Realty 573-592-1939

$160,000
2 Beds ⋅ 1 Baths ⋅ 436258 MLS
This 1.5-story bungalow offers 2 bedrooms, 1 full bathroom, and approximately 1,428 square feet of finished living space. The home features an eat-in kitchen, central air, electric forced-air heat, ceiling fans, and a full unfinished basement with walk-out access. Exterior features includes front and rear porches, garden space, landscaping and more. Conveniently located near area amenities, the property is approximately 0.6 miles from Moser's Discount Foods, 0.6 miles from Fulton State Hospital, 0.7 miles from the Kingdom of Callaway Historical Society, 0.9 miles from Memorial Park, and 1.6 miles from the Fulton Police Department. Fulton offers employment opportunities in healthcare, education, manufacturing, public service, retail, and other local businesses. Major area institutions include Fulton State Hospital, Westminster College, and William Woods University. Prospective buyers, please ensure you have a preapproval letter or proof of funds ready before scheduling a showing. Buyer to verify all measurements and online data.

508 E 10TH ST, Fulton

Courtesy of Wolfe Realty

$204,900
2 Beds ⋅ 2 Baths ⋅ 436257 MLS
Welcome home to this charming 2-bedroom, 1.5-bath newer construction located near the heart of Centralia! This well-maintained home features a spacious living room, durable luxury vinyl plank (LVT) flooring throughout, and a functional kitchen with all appliances included. Enjoy the convenience of being within walking distance of the vibrant downtown area and the elementary school. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment opportunity, this move-in-ready home is one you won't want to miss!

415 S ALLEN ST, Centralia

Courtesy of REMAX Boone Realty

$91,000
1 Beds ⋅ 1 Baths ⋅ 10073725 MLS
Welcome to this cozy, updated 1-bedroom, 1-bath manufactured home featuring a modern design and thoughtful updates throughout. Permanently affixed and connected to public water and sewer, this home offers the convenience of city utilities while maintaining a peaceful, creekside setting. Outside, you'll find a spacious garage/shop that's perfect for parking, projects, hobbies, or extra storage. One side is fully enclosed with an electric garage door, while the back side opens to the expansive backyard and beautiful creek, creating a unique indoor-outdoor workspace. The creek is truly the highlight of the property, offering shallow areas perfect for exploring and deeper water where you can spot fish. Whether you're relaxing by the water, entertaining guests, or simply enjoying nature, this backyard is one you'll love spending time in. A 12' x 8' storage shed provides even more room for tools, lawn equipment, or seasonal storage.

6903 Meadowbrook Drive, Jefferson City

Courtesy of Iron Gate Real Estate

$400,000
3 Beds ⋅ 2 Baths ⋅ 436256 MLS
Welcome home to this beautiful 2022-built, 3-bedroom, 2-bath home that's bright, inviting, and thoughtfully designed. The spacious open floor plan features a stunning kitchen with modern finishes, plenty of cabinetry, and a seamless flow into the living area, complete with a cozy gas fireplace. The split-bedroom layout offers added privacy, with a relaxing primary suite separate from the secondary bedrooms. Meticulously maintained inside and out, this home also features a fully fenced backyard, perfect for entertaining, pets, or play. Move-in ready and waiting for you!

6020 W TAMARACK DR, Columbia

Courtesy of REMAX Boone Realty

$264,500
3 Beds ⋅ 3 Baths ⋅ 10073724 MLS
Sellers offering $5000 towards closing costs. Well-maintained one-owner split-foyer home offering 3 bedrooms, 2.5 baths, and 2,244 finished sq ft on a .77-acre lot with lake access. Spacious layout includes solid wood kitchen cabinetry, a large family room, and two bonus rooms on the lower level. Incredible shop space with multiple outbuildings: a 30x40 insulated shop with heat/air, 220V, water, attic storage, and 3 bays; plus a 24x30 garage with lean-to, 220V, 100-amp electric, and concrete floor. Big-ticket items updated in recent years. New roof and gutters (2026) County-maintained sewer.

901 Elaine Drive, Fulton

Courtesy of Reece & Nichols Mid Missouri - Fulton

$264,500
3 Beds ⋅ 3 Baths ⋅ 132505 MLS
Sellers offering $5000 towards closing cost. Well maintained one owner split foyer home offering 3 bedrooms, 2.5 baths, and 2,244 finished sq ft on a .77 ac lot with lake access. Spacious layout includes solid wood kitchen cabinetry, a large family room, and two bonus rooms on the lower level. Incredible shop space with multiple outbuildings: a 30x40 insulated shop with heat/air, 220V, water, attic storage, and 3 bays; plus a 24x30 garage with lean to, 220V, 100 amp electric, and concrete floor. Big ticket items updated in recent years. New roof and gutters (2026). County maintained sewer.

901 Elaine Dr, Fulton

Courtesy of ReeceNichols Mid Missouri 573-642-7283

$264,500
3 Beds ⋅ 3 Baths ⋅ 436253 MLS
Sellers offering $5000 towards closing cost. New Roof and Gutters. Well-maintained one-owner split-foyer home offering 3 bedrooms, 2.5 baths, and 2,244 finished sq ft on a .77-acre lot with lake access. Spacious layout includes solid wood kitchen cabinetry, a large family room, and two bonus rooms on the lower level. Incredible shop space with multiple outbuildings: a 30x40 insulated shop with heat/air, 220V, water, attic storage, and 3 bays; plus a 24x30 garage with lean-to, 220V, 100-amp electric, and concrete floor. Big-ticket items updated in recent years. County-maintained sewer. New roof and gutters (2026)

901 ELAINE DR, Fulton

Courtesy of ReeceNichols Mid Missouri- Fulton

$224,900
2 Beds ⋅ 2 Baths ⋅ 436252 MLS
Welcome to your little piece of country living located right inside Fulton city limits! This cozy, one of a kind home blends peaceful privacy with ultimate city convenience. Packed with character and distinctive features throughout. 2 comfortable bedrooms and 2 bathrooms with a versatile bonus room perfect for a home office, hobby room or 3rd bedroom! Beautiful, established greenery, fruit trees and wildflowers surround the entire property. Partially fenced yard offers a peaceful outdoor retreat. Attached 2 car garage with private, off street rear parking. Within walking distance of William Woods University & Westminster College, Fulton Elementary school, Aldi and Walmart as well as the fun shops in the historic downtown brick district.

914 WEST AVE, Fulton

Courtesy of CENTURY 21 MCDANIEL REALTY

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Listing information is provided courtesy of the Broker Reciprocity/IDX of Bagnell Dam Association of REALTORS® and Lake of the Ozarks Board of REALTORS®, Inc. Multiple Listing Services. Copyright 2026 Multiple Listing Service, Inc. of Bagnell Dam Association of REALTORS® MLS, Inc. and Lake of the Ozarks Board of REALTORS® MLS, Inc. Information is being provided for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information herein is believed to be accurate and timely, but no warranty as such is expressed or implied. 2026 Century 21 Community