• Skip to primary navigation
  • Skip to main content
  • Skip to footer
usa mortgage logo

USA Mortgage - St. Louis Mortgage, New Home Purchase & Refinance Team

USA Mortgage - St. Louis Mortgage, New Home Purchase & Refinance Team

phone
address
start
  • Buyer Learning Center
  • PREAPPROVAL
    • First Time Home Buyer
    • START HERE
  • FHA
    • Low Down Payment
    • FHA Streamline Refinance
    • FHA 203B
    • FHA 203K
    • USDA
  • VA
  • Conventional
    • HomeReady
    • Home Possible
    • Homestyle Renovation Mortgage
    • Refinance
    • Debt Consolidation Loan
    • Adjustable-Rate Mortgage
    • Reverse Mortgage
  • Jumbo
  • Calculator
  • Rates
  • News
    • Published Articles
  • Team
    • USA Mortgage
    • Job Opportunities
    • Realtor Partners
  • Contact Us
You are here: Home / Buyer Learning Center

Welcome to the Buyer Learning Center

Have you been thinking about buying a new house soon? Well, this is why we put this together for you! Below you’ll find our blog that will discuss everything you’ll need to know for buying your first home. Click through the posts, check out the videos and follow our YouTube page for more content! If you are interested in learning more tips and trick you’ve come to the right page!

First Time Home Buyer

Important Features to Consider When Buying a House

Sean Zalmanoff

No matter what type of house you’re dreaming of, there are seven important features to consider before purchasing. It’s finally time. You’ve saved up, researched, and are ready to buy your first…

Continue Reading Important Features to Consider When Buying a House

First Time Homebuyer St. Louis

5 Things Homebuyers Need to Know Before Making an Offer

Sean Zalmanoff

One of the biggest mistakes you could make as a soon-to-be homeowner is rushing to buy a house without doing proper research first. The United States real estate market is worth a…

Continue Reading 5 Things Homebuyers Need to Know Before Making an Offer

Top 5 Reasons: Why You Should Become a Homeowner

Sean Zalmanoff

Unlike buying a car whose value depreciates immediately after driving it off the dealer’s parking lot, a home’s value appreciates with time. Why should you consider buying a house? Well, for starters,…

Continue Reading Top 5 Reasons: Why You Should Become a Homeowner

First Time Home Buyer St. Louis

4 Tips to Fast-Track Your First Home Down Payment

Sean Zalmanoff

Saving a pile of money for your down payment on your first home is easier said than done. Consider these tips for first-time home buyers. Owning a home is a dream come…

Continue Reading 4 Tips to Fast-Track Your First Home Down Payment

Am I Eligible for an FHA Loan

Am I eligible for an FHA loan?

Sean Zalmanoff

At the SeanZ mortgage, we have experience helping out first-time buyers with FHA loans. Contact us now at (314) 361-9979 to get your homeownership journey started. If you’re thinking about buying a…

Continue Reading Am I eligible for an FHA loan?

blank

Home Buying Process & What to Expect AFTER Your Offer Is Accepted

Sean Zalmanoff

Have you found your house and submitted your offer but are wondering what happens next? In this video, I’m going to walk you through the post-offer stage of financing on the lending…

Continue Reading Home Buying Process & What to Expect AFTER Your Offer Is Accepted

Additional Mortgage Tips & Advice

Mortgage Home Purchase

Should You Buy a House With Foundation Issues?

Sean Zalmanoff
July 25, 2022

In some cases, foundation issues can be repaired, but in other cases, they may be too expensive or difficult to fix. When you are buying a house, it’s crucial to inspect the property carefully. You should especially look for any signs of foundation issues. But what happens if you find the house has foundation problems?…

Continue Reading Should You Buy a House With Foundation Issues?

How to Get Approved for a Mortgage

5 White Lies That Can Hurt Your Chances of Approval For a Mortgage

Sean Zalmanoff
July 20, 2022

Here are a few of the most common lies told on mortgage applications – and why you should avoid them at all costs. We all want to put our best foot forward, especially when journeying towards something we want. And when it comes to buying a home, getting approved for a mortgage is often the…

Continue Reading 5 White Lies That Can Hurt Your Chances of Approval For a Mortgage

Mortgage Home Purchase

Why Take the Time to Look at Multiple Homes Before Making an Offer

Sean Zalmanoff
July 12, 2022

Looking to buy a new home and need a mortgage? We can help! The Sean Z Team offers a variety of mortgage products to fit your needs. Homebuyers often have the urge to make an offer on a home as soon as they find one they like. They worry they’ll miss out on their perfect…

Continue Reading Why Take the Time to Look at Multiple Homes Before Making an Offer

St. Louis Mortgage

Factors That Can Hurt a Home Appraisal

Sean Zalmanoff
July 5, 2022

These are just a few factors that can impact a home appraisal. Every situation is unique, so be sure to speak to us about any concerns you may have. Many things can impact the value of your home when it comes time for an appraisal. We’ll discuss some of the most common factors that can…

Continue Reading Factors That Can Hurt a Home Appraisal

New Home Construction Loan

Construction Home Loans – What You Need to Know

Sean Zalmanoff
June 27, 2022

The Sean Zalmanoff Mortgage Team specializes in making the home purchase or, in this case, the construction home loan process, a great experience! Building a home is an incredible opportunity and a popular option these days. When you design and build your own home, you get precisely what you want – walk-in closets and pantry,…

Continue Reading Construction Home Loans – What You Need to Know

Different Types of Mortgages

Mortgages and Loan Programs for Different Types of Properties

Sean Zalmanoff
June 21, 2022

Financing is one of the most significant differences between purchasing a single-family home and a different type of property. When people think about owning a home or buying residential real estate, they often think of a single-family home. After all, purchasing this type of property is common. However, other residential real estate options might better…

Continue Reading Mortgages and Loan Programs for Different Types of Properties

House Viewing Etiquette

House Viewing Etiquette Rules for Homebuyers

Sean Zalmanoff
June 17, 2022

Just as you would follow specific etiquette rules when visiting someone’s house, there are also etiquette rules to follow when viewing a home for sale. After searching for a while, you’ve finally found a listing that ticks all of your boxes. It combines location, size, features, and price perfectly. You contact the seller and set…

Continue Reading House Viewing Etiquette Rules for Homebuyers

Appraisal Process St. Louis

How to Challenge a Low Home Appraisal

Sean Zalmanoff
June 13, 2022

Common mistakes on appraisals include incorrect square footage, the wrong number of bedrooms and bathrooms, and errors in the comparables used. When you are refinancing your home, an appraisal is a key part of the process. Unfortunately, if the appraisal comes in lower than expected, it can throw a wrench in your plans. The good…

Continue Reading How to Challenge a Low Home Appraisal

How to Qualify for a Mortgage

How Lenders Determine How Much Mortgage You Can Afford

Sean Zalmanoff
June 7, 2022

Many factors determine the amount of money you can borrow for a mortgage. “How much mortgage can I get?” This is a question that most potential homebuyers ask at some point during their journey. In truth, there’s no definitive answer to this question. In this article, we’ll discuss five of those factors. Your Annual Income…

Continue Reading How Lenders Determine How Much Mortgage You Can Afford

Mortgage Closing St. Louis

Can You Switch Mortgage Lenders Before Closing?

Sean Zalmanoff
May 25, 2022

There are many reasons why you might consider switching mortgage lenders. However, several factors should be considered before making the switch. So you’re in the process of buying a new home, and things are progressing smoothly. Your mortgage application has been accepted, and almost all the paperwork is done. But then, a few days before…

Continue Reading Can You Switch Mortgage Lenders Before Closing?

Applying for a Mortgage St. Louis

5 Mortgage Mistakes Homebuyers Should Avoid

Sean Zalmanoff
May 16, 2022

The Sean Zalmanoff Mortgage Team specializes in making the home purchase or refinance process a great experience. The textbook description of the mortgage loan process makes the process sound easy. In reality, however, the process has potential pitfalls that can trip up even the most prepared homebuyer. The Sean Zalmanoff Mortgage Team specializes in making…

Continue Reading 5 Mortgage Mistakes Homebuyers Should Avoid

What Is a Dual Agent

Buying a Home Through a Dual Agent – Pros and Cons

Sean Zalmanoff
May 12, 2022

Buying a home is a considerable investment, and you want to make sure that you are working with someone who has your best interests at heart. When buying a house through an agent, you can take three main routes. You can have the seller’s agent represent you, work with a buyer’s agent, or hire a…

Continue Reading Buying a Home Through a Dual Agent – Pros and Cons

Buying a Second Home

Things to Consider Before Buying a Second Home

Sean Zalmanoff
May 4, 2022

Buying a second home is a big decision, and it’s not suitable for everyone. But if you’re considering it, weigh the pros and cons carefully to decide if it’s the right choice. With the rate of homeownership steadily improving yearly, more and more people are considering purchasing a second home, and for a good reason.…

Continue Reading Things to Consider Before Buying a Second Home

What are Closing Costs

When Buying a Home – What Are Closing Costs?

Sean Zalmanoff
April 25, 2022

Understanding closing costs can be challenging, but the Sean Z Team is here to help! When buying a home, your down payment isn’t the only thing you’ll need to bring to the closing table. Closing costs are an expense you’ll have to pay to your lender in exchange for loan services. It’s not uncommon for…

Continue Reading When Buying a Home – What Are Closing Costs?

Buying a House with Student Debt

How to Buy a Home with Student Loan Debt

Sean Zalmanoff
April 19, 2022

Do you worry that your student loan debt will make it hard to buy a home? Don’t worry, we can help you qualify. As we enter graduation season, graduates from the past and present are reminded of the cost of their education. According to the most recent debt statistics, nearly 46 million Americans have student…

Continue Reading How to Buy a Home with Student Loan Debt

Looking for more content? Click below to find more info!

  • Blog
  • Frist Time Buyers
  • Mortgage Rate Update

Call The Sean Z Team Today!

Home of the TBD $5K Guarantee Approval

(314) 361-9979

Footer

Sean Zalmanoff: USA Mortgage

1118 Hampton Ave
St. Louis, MO 63139
(314) 361-9979

  • Facebook
  • Instagram
  • LinkedIn
  • Twitter
  • YouTube

usa-mortgage-five-star

Copyright © 2022 · Sean Zalmanoff: USA Mortgage · Log in
1118 Hampton, St. Louis, MO 63139
Gordon Barnhart NMLS: 554310, MO: 4021-MLO, KS: LO.0030115, IL:031.0038789, CA: CA-DB0554310.
Derek Jackson NMLS: 1257690, MO: 10597-MLO.
Christen Cullman NMLS: 1629560, Missouri.
Sean Zalmanoff NMLS: 239823 MO:70-MLO

equal-housing

California, Illinois, Kansas, Missouri Residential Mortgage Licensee, Company NMLS 22762

  • Privacy Policy
  • Buyer Learning Center