St. Louis Mortgage – USA Mortgage
My team specializes in making your dreams come true, whether this is your first purchase, your 10th, or you need assistance with the FHA 203k or Fannie Mae Homestyle construction loans we make it happen for you!
How Much House Can I Afford?
Our education process begins from the time we take your initial loan application. We will help you understand the loan options that you have available. We explain mortgage insurance and answer the question “How much house can I afford?” For example, many first time home buyers do not understand that financing $20,000 is roughly the equivalent of a $100 a month increase in payment.
If you are a first time home buyer or even a seasoned real estate investor, with the volatility and underwriting guideline changes in the mortgage industry over the last few years, it is important to have an experienced professional that you can count on advising you.
The TBD Mortgage Approval Program
In your home buying process the most important thing to you is obviously finding the right home, but from a mortgage standpoint the property makes up a small percentage of what we do. Our commitment to providing phenomenal service to our clients and to earn the reputation among local Realtors as St. Louis most counted on mortgage bank motivated our team to create “The TBD Mortgage Approval Program”.
Our TBD Mortgage Approval relieves much of the anxiety surrounding buying a house. My team will go over an entire set of “To Be Determined” loan documents with you before you even start your search for the perfect home. We will be able to process and underwrite your entire loan file with a property address of “To Be Determined”. Even though this process adds considerably to our work load, it is our belief that overcoming any obstacles associated with a prospective home buyer’s specific credit profile before they invest their time finding a new home is well worth it. “The TDB Mortgage Approval Program” gives home buyers, sellers, and real estate agents the confidence that comes from knowing USA Mortgage is standing behind them.