Your Hometown Lender, Providing Expert Advice with an Easy Experience!

Jacob Garrett Hero Image

Meet Jacob

Why am I a mortgage lender? When it comes down to it, I enjoy helping people! Whether you’re a first-time buyer who never thought you’d be able to own your own home, or someone looking for the financial freedom that comes with using the equity in your home to pay off debt.

Everything that I do, is to help the customer, and to put them in the best financial position possible for their current stage of life. And that’s what I love about this business! I'm here to help make your dream of homeownership come true. I am passionate about finding creative financial solutions for my clients. I believe in transparent communication and strive to simplify the home buying process.

You may have some questions as you navigate this process. (How much can I afford? Which type of mortgage is best for me? Where do I start?) Call, email or stop by our office – I’d love to connect.

Team Information:

Courtney Kuelker Website Photo

Mortgage Loan processor

Courtney Kuelker

Erin McMichael Website Photo

Loan Officer Assistant

Erin McMichael
NMLS# 2347368

Expertise & Specialties

  1. First-time Homebuyers
  2. Government loans: FHA, VA & USDA
  3. Construction & Renovation Loans
  4. Down Payment Assistance Loans
  5. Conventional Loans
  6. Specialized Doctor and Dentists Loans

Tools and Resources


Download my electronic business card and get resources to help with your mortgage research.

Receive 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options


  • Calculate payments
  • Real time rate trends
  • Request a pre-approval
  • Share with family friends & clients


Click the link to download my digital business card!

With the Popl digital business card, you can make sure that you have my most up-to-date contact information!

Honors and Awards:

  • 20 under 40, Class of 2021
  • Emerging Professional of the Year - 2020
  • Face of Mortgage Lending - Columbia Business Times 2021
  • Southern Boone Chamber Rookie of the Year - 2021
  • Leader of the Year - 2021

Community Involvement:

  • Columbia Chamber of Commerce - Showcase COMO Chair, Ambassador, EPIC
  • Southern Boone Chamber of Commerce - Membership Chair
  • Mary Lee Johnston Community Learning Center Board
  • Love Columbia, HUD Certified Lender Instructor, Homeownership 101 Instructor
  • Cattlemen's Day Rodeo Board
  • Foster Parent - Coyote Hill
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