Buying a House in St. Louis

Homeownership is still the American dream and we make that dream a reality for St. Louis first time home buyers!

Home values have been stable and even improving over the last few years in the St. Louis Metro Area. There are many opportunities to purchase excellent homes at a great value.

Step #1 Get Approved for Financing

There are a number of websites out there that advice you to “check your credit” and “save up for a down payment” before looking for a home. While credit and down payment are factors that will impact your home purchase, without an intimate knowledge of current conventional, VA, USDA, and FHA loan financing guidelines, you cannot be certain that your “house shopping” will not be an exercise in futility. Many St. Louis mortgage brokers are not willing or able to invest their time and resources into underwriting your loan file until you have accepted a contract on a home. That approach can lead to frustration, surprises, and even the risk of litigation. Sean Z. Mortgage has helped 1000’s of prospective home buyers in St. Louis confidently pursue homeownership with the “TBD Mortgage Approval Program.”

The “TBD Mortgage Approval Program” can give you the confidence of a “Cash Buyer” while buying a house in St. Louis. We will not only take the time to match you with the best mortgage loan product available that you can qualify for before you even have a house in mind, we go further. Our mortgage underwriters will examine your credit history, employment history, debt ratios, down payment amount, reserves and any other necessary documentation to get you approved for financing while your house is still “To Be Determined“.

Step #2 Work With an Expert Realtor

The St. Louis metro area is loaded with magnificent homes, excellent school districts, sporting events, beautiful parks and unique dining experiences. It is important to find a home in the right neighborhood that lets you conveniently experience this great city. There is a lot more to a home than just the price! Having an expert realtor’s input and experience is invaluable.

We have spent over 10 years nurturing relationship with the best real estate agents in St. Louis. They are able to help you identify the homes that you can afford in the right neighborhoods. A good realtor will represent you through negotiating offers, accepting the real estate contract, understanding home inspections and appraisals, any title work issues, and all the way up to the closing table.

Step #3 Get the Keys

Sean Z Mortgage will be there to make sure all of your questions are answered. Our goal is to have made the home buying process as surprise and stress free as possible. After you’ve taken the keys to your new home, we will still be there to help you down the road with mortgage refinancing, home equity loans, and your next home purchase. We pride ourselves on delivering the kind of service that you will want to tell your family and friends about!