Jacob M. Garrett - Mortgage Loan Officer

09/24/2026

Closing costs can feel like a surprise: but they don’t have to be. 🏡

Common costs may include:
• Loan costs, such as underwriting or origination charges
• Prepaid items and escrow for taxes and insurance
• Third-party services, title work, recording fees, and other transaction expenses

The total can vary based on your loan type, property, location, down payment, taxes, insurance, and the services you choose. Not every loan has the same costs.

That’s why your Loan Estimate matters. Review it carefully, compare the projected costs with your budget, and ask questions about anything you don’t understand. Planning ahead can make the path to closing feel much clearer.

I help homebuyers across Missouri understand the numbers and navigate the process step by step. Reach out anytime: I’m happy to help you make sense of it.

09/23/2026

What you plant today can grow for years to come. 🌳
It can start small, but over time, it grows stronger, with deep roots and wide branches.
A home can take shape in the same way. It becomes a place to settle, standing firm as you continue to grow, for life.

Ready to put down roots with the right home? Reach out to get pre-qualified.

09/23/2026

Meet The Motto Crew. 🐾💙

Apparently, every mortgage broker needs a mascot… and mine decided she was taking the job. 😂

Maggie is the official Chief Morale Officer, adventure partner, farm supervisor, lake companion, and occasional office assistant. She brings the same energy I try to bring to everything I do: show up, work hard, have fun, and enjoy the journey.

Whether I’m helping someone find their pathway home, working with my team, spending time with family, or getting away to the farm or lake, I’m grateful for all of it.

Big goals. Hard work. More fun. And always a little Maggie. 🐶

Here’s to chasing big dreams and enjoying the ride along the way!

09/23/2026

Ever wonder what happens after you submit a mortgage application? 🏡

That’s when the behind-the-scenes work begins:

✅ Your documents are reviewed
✅ Income and assets are verified
✅ Property and title steps are completed, when applicable
✅ An underwriter reviews the full loan file
✅ Questions or additional conditions may come up
✅ Your team helps prepare everything for closing

Every loan and borrower is different, so the process can vary. The important thing is having someone who explains each step, helps you respond to questions, and keeps the process moving forward.

Whether you’re buying your first home, moving, or refinancing anywhere in Missouri, I’m here to help you understand your options.

Questions about the mortgage process? Reach out anytime:
📲 573-864-0051
📧 [email protected]

09/22/2026

Go check out this 🏡 Open House with Grant McDonnell - Mortgage Loan Officer & Christopher. ⬇️

Stop by after work this Thursday, 9/24, from 4:30–6:15 PM to see Chris Kachingwe and I at this open house! Recent price reduction and sellers' concessions can help bring this home into your budget!

Motto Mortgage and Iron Gate Real Estate are co-sponsoring a chance to win a $50 Flat Branch gift card, and here’s how it works:

🌽🕳️ Take your shot at co****le!
• 3 points just for showing up to the open house and providing your information
• 1 point for landing a bag on the board
• 2 additional points for making it in the hole

Come out, have some fun, take a few shots, and check out a well-maintained home in a quiet neighborhood!

Hope to see you there!

09/22/2026

As we head into September, here are a couple of Columbia community events to keep on your radar! 🐾🚲

Columbia Second Chance: Rescue Reunion
Sunday, September 20 | 1:00–5:00 p.m.
504 Fay St

Kaleidospoke
Quick date check: the official Visit Columbia listing currently shows Saturday, August 22, not September 22, from 7:00–11:00 p.m., starting at Flat Branch Park.

Event details can change, so please verify before heading out:
visitcolumbiamo.com/event/columbia-second-chance-rescue-reunion/
visitcolumbiamo.com/event/kaleidospoke/

I’m proud to serve homebuyers statewide across Missouri, and Columbia will always be part of the community my team calls home. Enjoy these local gatherings: and reach out anytime if I can help with your homeownership questions!

09/21/2026

There’s something special about Columbia and Ashland. 🏡

It’s the energy at local events, the support behind small businesses, the green spaces where people gather, the schools and community activities that bring families together: and the neighbors who make a place feel connected.

These communities offer more than a place to live. They offer a place to belong.

If homeownership is part of your next chapter, I’d be happy to help you explore your options. I serve homebuyers across Missouri and can guide you through the process, one step at a time.

What makes Columbia or Ashland feel like home to you? Share it below: or reach out anytime. I’d love to hear from you!

09/19/2026

A mortgage should never feel like a handoff from one department to the next.

I chose to build my business around personal guidance, clear communication, and being available when questions come up: because buying a home is a major life decision, and you deserve to feel informed at every step.

My roots are here in the Columbia area, including Ashland and Central Missouri. But I’m proud to help families across the entire state of Missouri explore their home loan options.

My role is simple: listen to your goals, explain your choices in plain language, shop competitive options, and help make the process feel a little less overwhelming.

You don’t have to figure it all out alone. Reach out when you’re ready to start the conversation. I’m here to help.

09/18/2026

Congratulations to Brett on the closing of his new home! 🎉

I’ve been fortunate to know Brett for many years, and I’m truly grateful he trusted me to help with this purchase. It means a lot to be part of such an exciting milestone!

A big shout-out to realtor Izzy Smith Re/max Boone Realty and Boone-Central Title Company (BCT) for being awesome partners throughout the process. I appreciate everything you do to help make these moments possible.

Brett, congratulations again! Wishing you many happy memories in your new home. 🏡

Have a recent home milestone or closing story? Share your photos and story in the comments: I’d love to celebrate with you!

09/18/2026

Please help me welcome Melissa Seboldt to the Motto Mortgage Pathway - NMLS 2663701. Excited to have her on my team.

🏡✨ Meet Melissa Seboldt! ✨🏡

We’re so excited to introduce the newest member of the Motto Mortgage Pathway family!

Melissa is a Mortgage Loan Advisor with 14+ years of experience in financial services, and she’s passionate about helping people navigate one of life’s biggest financial decisions: buying a home.

Her mission is simple. She wants to be your personal home loan advocate. Whether you’re buying your first home, moving into your next chapter, refinancing, or simply exploring your options, Melissa is here to make the mortgage process easier to understand and a lot less overwhelming.

She specializes in VA loans 🇺🇸 and has access to an extensive portfolio of loan products, giving her the ability to help clients explore financing solutions designed around their individual goals.

We’re thrilled to have Melissa on our team and know she’s going to be an incredible resource for our clients, referral partners, and community!

Drop a 👋 in the comments and help us welcome Melissa to Motto Mortgage Pathway!

Welcome to the team, Melissa! We’re so happy you’re here! ❤️🏡

https://mottomortgage.com/offices/pathway-columbia/melissa-seboldt