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Are You a Veteran or Military Service Member?

Are you a veteran or member of the military and looking to buy a home? Your military service could qualify you for a $0 down VA loan. In addition, as a thank you to our current and former service men and women The Callaway Bank waives the fee for your home appraisal up to $1,000!*

Why a VA Loan?

A VA home loan is a mortgage program available to United States veterans and active duty service members, and members of the National Guard.  While VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA), they are issued by The Callaway Bank and other qualified lenders.  Qualified borrowers can buy a new home or refinance their existing home with a VA loan.

  • $0 down payment for service members and veterans
  • Generally lower interest rates
  • You can qualify with a lower credit score and higher debt compared to conventional loans

Is a VA Loan the BEST Choice?

Not always!  Often veterans or service members are led to believe that a VA loan is always their best choice, which is not true.  Just because you qualify for a VA loan doesn’t mean that another type of loan couldn’t save you money.  The VA loan program is a great benefit to our veterans particularly if they don’t qualify for other home loans programs.  However other home loans may have lower fees or better terms based on your credit qualifications.

Why Choose The Callaway Bank?

Our lenders will help you figure out which loan program is your best fit and guide you through the process.  Often they will save veterans several hundred to a few thousand dollars by finding something other than a VA loan.   It all depends on your qualifications.

However, regardless of the type of home loan The Callaway Bank will still waive the appraisal fee* for veterans and active service members.

THANK YOU VETERANS!

We owe so much to our veterans. In honor of their service, The Callaway Bank wants to give back by waiving the appraisal fee on their home loans up to $1,000!*

Let us help you with your home loan today.


 

A blue circle with a red outline. Inside the blue circle is white text that reads, In Honor of Your Service, We're waiving the appraisal fee!
Disclosure

*Subject to credit review and loan approval. Offer applies to any active or honorably discharged member of the United States Army, Navy, Air Force, Marines, Coast Guard and National Guard. Available on first lien on primary residence only for properties located in contiguous counties of or within Boone or Callaway counties in Missouri. Appraisal fee up to $1,000 will be waived. Offer made by The Callaway Bank and does not imply that any loan will be made by the VA or US Government. This offer is subject to end without advance notice.

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Russ Marshman

Commercial/Real Estate Lender

Fulton (Downtown)

NMLS#: 842706

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Russ Marshman offers over 20 years of lending experience, which he brought to The Callaway Bank in 2020. The Wisconsin native relocated from Green Bay to Marshall, MO, in 1985 before settling in Fulton in 2019. The commercial and real estate lender is driven to help people realize their dreams and enjoys the commitment to teamwork of the Bank’s lending department.

In his free time, Russ enjoys fishing, riding side-by-sides, and spending time with his family, especially his grandchildren. He also raises golden retrievers and goldendoodles.

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Josh King

Commercial Lender

Fulton (Downtown)

NMLS#: 1658999

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Josh is a Fulton native with a skillful knack in the financial industry. With nine years in the banking industry, he has spent three of those years in lending and six in retail banking all while honing his banking and financial skills.

When he is not crunching numbers, you will find him on the golf course or engaging in a friendly game of conrhole. As an ambassador with the Callaway Chamber of commerce, Josh is deeply connected with the Fulton and Callaway communities.

He thrives in the small-town vibe where he is passionate about assisting local businesses in realizing their dreams. His commitment to his clients is unwavering and prides himself on making the loan process as smooth and stress-free as possible while building strong, everlasting relationships along the way.

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Dave Toczylowski

Mortgage/Commercial Lender

Ashland

NMLS#: 2611216

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Dave Toczylowski has more than 15 years of lending and business development experience. He enjoys working closely with clients to find financial solutions that foster a path to encourage their success and growth.

“Working with a community bank that truly believes in and lives out its mission daily attracted me to The Callaway Bank.”
– Dave Toczylowski

A native Missourian and graduate of the University of Missouri – Columbia, he has enjoyed volunteering over the years with the United Way, Habitat for Humanity, and Missouri Stream Team. His work with Junior Achievement to inspire and prepare young leaders of tomorrow for success is especially gratifying. Toczylowski is also a member of the Walt Beumer Memorial Chapter of the National Wild Turkey Federation and the local chapter of Ducks Unlimited.

A resident of Columbia, he enjoys attending sporting events to support his nieces and nephews and spending time with family and friends. Outside of that, he also loves hunting and fishing and, on a rainy day, can often be found wrapped up in a good crime or historical novel.

Contact Dave today for your Commercial Lending needs!

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Brent Martin

Mortgage/Commercial Lender

Columbia (West Broadway)

NMLS#: 2034083

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NMLS #2034083

Brent’s enthusiasm for helping people reach their goals is exciting to witness. His strong and honest work ethic, combined with his ability to multitask, helps him balance his family, career, and farm goals.

He loves hunting, fishing, and working on the farm with his wife and their three boys while also serving in their church and watching football.

Supporting the United Way and volunteering with Junior Achievement to teach financial literacy to our young people are two significant efforts for Brent.

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Brian Hughes

Commercial/Real Estate Lender, VP

Fulton (Downtown)

NMLS#: 869059

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Brian has been with The Callaway Bank since 2006, serving previously as a Personal Banker at the Main branch and Branch Manager at the South branch. In 2012, Brian transitioned into his current role as a Commercial/Real Estate Lender at the Main bank location in Fulton.

Brian, originally from Hatton, Missouri, graduated from William Woods University with a Bachelor of Science in Business Administration. Brian chooses to give back to his community by serving on the Callaway County United Way Board. During his spare time, he enjoys spending time outdoors, hunting, competitive pistol shooting, and being with his family and friends.

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Mike Wagner

Mike Wagner

Commercial/Mortgage Lender

Columbia (Chapel Hill)

NMLS#: 541794

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