USA Mortgage – St. Louis Mortgage Bank
The Sean Zalmanoff Mortgage Team specializes in making the home purchase or refinance process a great experience, 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 Can We Help You?
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Would you like monthly updates of your home value?
HomeReady
What is the HomeReady™ Loan? The HomeReady mortgage is designed with today’s homebuyers in mind. It was created by Fannie Mae for buyers facing financial challenges and offers lower mortgage rates than other conventional loans. If you face some of these challenges, our mortgage experts can explain this new loan program to help you determine…
Home Possible
What is a Home Possible Mortgage? Home Possible is a conventional loan program created by Freddie Mac. It is a more affordable option due to its smaller 3% to 5% down payment requirement. Home Possible mortgages are designed for low to moderate income home buyers as well as first-time home buyers and younger borrowers. This…
FHA Loan
Federal Housing Administration (FHA) Loan What is an FHA Loan? Put simply, an FHA loan is a mortgage that is insured by the Federal Housing Administration. It is designed with low-to-moderate-income borrowers in mind. Therefore, FHA loans require a lower minimum down payment and lower credit scores than most conventional loans. As of 2020, with…
FHA Streamline Refinance
FHA Streamline Refinance The fact that the FHA Streamline doesn’t require a home appraisal is the most significant distinguishing fact between it and most traditional refinance programs. The FHA streamline refinance program is for homeowners who have existing FHA loans. It allows eligible homeowners to refinance at a lower mortgage rate with no income verification,…