VA Home Loans
Dan's #1 specialty: competitive VA purchase and refinance options for those who served.
Explore VA LoansDan Pfenenger · UMortgage · Serving Missouri
VA & Non-QM Mortgage Specialist for Osage Beach and Missouri
Want to save thousands on your mortgage? Whether you are buying near Lake of the Ozarks, relocating on PCS orders, or financing an investment property, my team and I can help.
Dan Pfenenger is a Mortgage Broker and veteran himself, active in the Vetted VA network. We lead with VA home loans and Non-QM programs (DSCR, bank statement, and self-employed paths) built for real Missouri borrowers. I also help with FHA, first-time buyer, refinance and condo loans across Missouri.
No pressure. Just clear guidance. Compare purchase, refinance, and alternative documentation options with a lender who understands military timelines and self-employed income.
- VA firstveteran loan specialist
- Non-QMDSCR & bank statement
- 7 days9 AM-9 PM availability
Who we serve:
- Veterans
- Active Duty
- Military Families
- PCS Buyers
- Self-Employed
- Business Owners
- Investors
- Veteran Truck Drivers
- Lake Home Buyers
- Refinance Clients
- Realtor Partners
- First-Time Buyers
UMortgage powered by Nexa Lending · Company NMLS #1660690 · Dan Pfenenger NMLS #2767718. Programs, terms, and approvals are subject to borrower qualification and lender guidelines.
See your rate options in minutes
Tell us what you're looking to do, purchase, refinance, or cash-out, and my team will follow up with options matched to your goal.
What matters most when you compare lenders
Every borrower we talk to is really asking the same three questions. We lead with straight answers on all three before you commit to anything.
Money in, money out of pocket
What you need at closing and where it comes from, laid out clearly before you shop.
See the breakdownYour monthly payment
A clear estimate of principal, interest, taxes, and insurance so there are no surprises later.
Timeline and hassle
How long it takes and how much back-and-forth it requires, from application to closing.
Money in, money out of pocket
Before you shop, you should know what you will bring to the table and what you will pay. My team and I walk you through both, with real numbers for your situation, before you commit.
Money in: what you bring
Down payment. Depends on the program. VA can be zero down for eligible borrowers, and FHA allows a lower down payment than many buyers expect.
Earnest money. A good-faith deposit when your offer is accepted. It is applied toward your costs at closing.
Closing costs. Lender, title, appraisal, prepaid taxes and insurance, and other fees due at closing.
Where the money can come from
Your savings or the proceeds from selling a current home.
Gift funds from an eligible family member, when the program allows it.
Seller credits and down payment assistance. Depending on the loan and the deal, these can reduce what you pay out of pocket.
Money out: what it costs over time
Monthly payment. Principal, interest, taxes, and insurance, plus mortgage insurance or a VA funding fee where they apply.
Cash to close. One clear estimate, so you know your total before you sign.
Curious about your own numbers? Try the mortgage calculator or get your personalized options.
What are you looking to do?
Start with your goal. Each path leads to programs my team uses every day for Missouri buyers and homeowners.
Use My VA Benefit
Zero-down VA purchase and refinance paths for Veterans, active duty, and eligible spouses.
Explore VA loansI'm Self-Employed / Non-QM
Bank statement, DSCR, and investor options when traditional tax-return underwriting does not fit.
See Non-QM optionsFHA Home Loan
Lower down payment and flexible credit guidelines for buyers who do not fit a conventional box.
Explore FHA loansFirst-Time Homebuyer
Clear steps, low-down paths, and guidance before you shop near the Lake or nearby bases.
Start as a first-time buyerRefinance or Cash-Out
Lower payment, shorten term, or tap equity, including VA IRRRL and Non-QM refinance paths.
If you want cash and may need to keep your current mortgage, compare a HELOC and a cash-out.
Talk refinance strategyCondo Financing
HOA review, project approval, and lake condo experience so the loan clears the first time.
Explore condo financing
VA first
Specialty focus
Veteran
Led by experience
My team
Support behind you
Missouri
Lake & base markets
Loan programs
One clear action per program. Every path starts with a real conversation about your goals.
FHA Loans
Lower down payment and flexible credit guidelines when conventional underwriting is too tight.
Explore FHA LoansNon-QM Loans
Hub for DSCR, bank statement, and self-employed paths when tax returns alone are not enough.
Browse Non-QMRefinance
Rate-and-term, cash-out, VA IRRRL, and Non-QM refinance with a straight answer on the math.
Talk RefinanceHELOC
A second-lien line of credit for homeowners who may want cash without replacing the mortgage they already have.
Compare HELOC and cash-outWhere we help Missouri homeowners
Primary focus on Lake of the Ozarks, with dedicated coverage for Whiteman AFB and Fort Leonard Wood clusters, plus key secondary cities.
Lake of the Ozarks
Primary market: Lake Ozark, Osage Beach, Sunrise Beach, Camdenton, Village of Four Seasons, Laurie.
Lake of the Ozarks VA & home loansWhiteman AFB
Knob Noster, Warrensburg, Sedalia, Windsor, Clinton, and Lee's Summit, with PCS-aware VA guidance.
Whiteman AFB mortgage helpFort Leonard Wood
St. Robert, Waynesville, Lebanon, and Rolla, built around military timelines and eligibility.
Fort Leonard Wood VA loansAlso serving Jefferson City, Springfield, Joplin, and St. Joseph.
How it works
1. Call or reach out
Start with a direct conversation. Available 9 AM-9 PM, seven days a week, with my team ready to help.
2. Review custom options
Compare VA, DSCR, bank statement, and refinance paths matched to your goals and documentation.
3. Move to closing
Clear next steps, status updates, and guidance through funding so you can focus on the move-in date.
Common questions, straight answers
Do you specialize in VA loans?
Yes. VA lending is Dan's primary specialty. As a veteran and Vetted VA network member, he helps eligible borrowers use their benefit for purchase and refinance across Lake of the Ozarks and nearby military communities.
What is a Non-QM loan?
Non-QM (non-qualified mortgage) programs use alternative documentation such as bank statements, business cash flow, or rental income (DSCR) instead of traditional W-2 and tax-return only underwriting. See the Non-QM hub.
Which areas do you serve?
Primary focus is Lake of the Ozarks, plus Whiteman AFB and Fort Leonard Wood clusters, with additional coverage in Jefferson City, Springfield, Joplin, and St. Joseph. The two largest Missouri metros are outside this focus.
What are your hours?
9 AM to 9 PM, seven days a week. Call (573) 761-7400 or send a message anytime.
Do you also help with FHA, first-time buyer, refinance and condo loans?
Yes. While VA and Non-QM are Dan's lead specialties, he also helps with FHA, first-time homebuyer, refinance, and condo loans across Missouri.
How do I get started?
Call (573) 761-7400 any day from 9 AM to 9 PM, or use the Get My Rate and Get Pre-Approved tools. You will talk directly with Dan and his team, with clear next steps.
Find Dan on Google
Dan (Danny) Pfenenger - UMortgage serves borrowers across Missouri. Call (573) 761-7400 any day, 9 AM-9 PM.
Start your loan with Dan
One conversation with Dan and his team is usually enough to know which path fits. No pressure. Just clear guidance.