Whether you’re buying a new home or refinancing, we will navigate you through the mortgage process smoothly and help you choose a loan that best suits your needs.
A broad range of programs including:
• Special first time home buyer programs
• Fixed and adjustable mortgages
• Fast pre-qualification process
• Highly competitive rates
LEARN HOW WE CAN HELP YOU TODAY!
Call (636) 537-1005.
Loan Programs
This table lists available loan programs, highlights, and the best match for each loan to buyer.| Loan Program | Highlights | Matches |
|---|---|---|
| Bridge | - Interim financing - Wraps current and new mortgage into one payment | Buyers who are purchasing a new home before selling current home. |
| Conventional | - Fixed rate and monthly payment at either 10, 15, 20, 25, or 30-year terms | Buyers who intend to stay in the purchased home for a substantial period of time. |
| FHA | - Requires down payment as little as 3.5% of purchase price - Loan limited to $314,827 - Typically fixed rates at either 15 or 30-year terms - Requires mortgage insurance | Buyers seeking a low down payment, with a debt-to-income ratio over 50%, who have lower credit scores. |
| USDA | - Finances 100% of purchase price - No down payment necessary - Must be in rural area as defined by USDA - Debt typically cannot exceed income by more than 41% - Requires mortgage insurance | Buyers seeking a low down payment in rural areas as defined by USDA. |
| VA | - Finances 100% of purchase price and no mortgage insurance - Home must meet minimum property requirements | Veterans who have served 90-days consecutively during wartime, 180-days during peacetime, or 6-years in the Reserves. |