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

Call (636) 537-1005.

Loan Programs

This table lists available loan programs, highlights, and the best match for each loan to buyer.
Loan ProgramHighlightsMatches
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 termsBuyers 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.