LOOKING TO BUY A NEW HOME?

Whether it’s your first home, vacation home or investment property, we can smoothly navigate you through the mortgage process and help you choose a loan that best suits your needs.

CALL (636) 537-1005 TODAY FOR
YOUR HOME MORTGAGE NEEDS.

Lay the financial groundwork for your purchase of a new home.

The right mortgage involves more than financing – it’s the delicate balance of finding a product to meet your current needs while providing security for the future. We can help from start to finish with the area’s leading mortgage, title, and insurance companies.

Call (636) 537-1005 today!

Groundwork Mortgage

Experience Blueprint

Groundwork Insurance

The Mortgage Experts You Can Trust

Groundwork Mortgage, located in the St. Louis metro area, is in the business of turning our clients’ dreams of homeownership into reality. Whether you’re a first-time home buyer or you’re expanding your real estate portfolio, we’re ready to discuss your financial objectives by phone or in a face-to-face meeting.

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FHA

While typical loans require a down payment of 20% of the purchase price of your home, with a Federal Housing Administration loan, you can put down as little as 3.5%. Right for: Home buyers with meager savings for a down payment.

Conventional Loans

The most common type of loan, a fixed-rate loan prescribes a single interest rate—and monthly payment—for the life of the loan, which is typically 15 or 30 years. Right for: Homeowners who crave predictability and aren’t going anywhere soon.

Bridge Loans

Also known as a gap loan or “repeat financing,” a bridge loan is an excellent option if you’re purchasing a home before selling your previous residence. Lenders will wrap your current and new mortgage into one payment; once your home is sold, you pay off that mortgage and refinance. Right for: Homeowners with excellent credit and a low debt-to-income ratio, and who don’t need to finance more than 80% of the two homes’ combined value.

USDA Loans

USDA Rural Development loans are designed for families in rural areas. The government finances 100% of the home price—in other words, no down payment necessary—and offers discounted interest rates to boot. Right for: Families in rural areas who are struggling financially. These loans are designed to put homeownership in their grasp. The catch? Your debt load cannot exceed your income by more than 41%, and, like the FHA loan, you will be required to purchase mortgage insurance.

VA Loans

If you’ve served in the United States military, a Veterans Affairs loan can be an excellent alternative to a traditional mortgage. If you qualify, you can score a sweet home with no money down and no mortgage insurance requirements. Right for: Veterans who’ve served 90 days consecutively during wartime, 180 during peacetime, or six years in the reserves. It must be your primary residence, and it must meet “minimum property requirements” (that is, no fixer-uppers allowed).