Meet Steve
I have been originating home loans since 1987. Over the years, I have seen many changes; however, what will always remain the same is my dedication to helping individuals fulfill their dreams and providing them with the best possible options to suit their needs.
Through excellent customer service, I have built a large portfolio and a loyal customer base. Call, email, or stop by today to see how I can assist you!
Pre-Qualify to learn what your credit qualifications and home loan eligiblity may be.
With a Pre-Qualification letter from me, your realtor will be able to see that you are a capable borrower and help you write that sales contract! Click the Pre-Qualify Link to get started!
Apply Now and get a better mortgage experience with Ozarks Federal.
CUSTOMER REVIEWS
“What a great loan process!! Rates, paperwork, Loan Officer all were on top of everything thank you for a quick and professional loan”---Ronald Cortor
“Very Pleased with Steve”—John and Lisa Kee
“Awesome! One of the best Loan Officers around!”---Coby and Sierra Moon
“Steve Effrein is very knowledgeable and very good at what he does. He gave me my first loan and made me feel comfortable with the whole process so when I bought my new house this is the only place I would come to. I would and have recommended him and Ozark Federal to all my friends. Steve is awesome”. ---Deborah Eaker
"We are very happy with Ozarks Federal. Mr. Effrein was and has always been extremely helpful”. ---Paul and Betty Usher Sr.
“Steve is always great to work with”---Michael Hammers