Andy Schoemehl

Andy Schoemehl Let me help YOU achieve your dream of home ownership! NMLS 258507
Gershman Mortgage NMLS #138063
Equal Housing Lender
Office: 314-414-3311

04/02/2026

Hey future homebuyers! 🏠 Tired of hearing about that hefty 20% down payment just to dodge PMI? Say hello to Lender Paid Mortgage Insurance (LPMI), where you can potentially say goodbye to PMI with as little as 5% down!

Imagine having only $15,000 down for a $300,000 home, avoiding a pesky $142 monthly PMI, and even getting the sellers to cover the upfront cost with expert negotiation skills, just like I recently did for my client. Sounds pretty sweet, right?

Intrigued by how this magic can work for YOU? Send me a message! I'm Andy Schoemehl, your go-to guide for easy, creative mortgage solutions that work for you.
https://myoc.io/aschoemehlgershmancom

03/30/2026

Success story alert! 🎉 When one door closes, we open another! Recently faced a roadblock with a bank saying "no" to a condo purchase because it wasn't FHA-approved. No worries – we got creative and secured a spot condo approval, making it happen for our client. That's what personalized service is all about!

Have you hit a wall with standard loan options for your dream home? Let's explore creative solutions together. Comment below or drop me a message – I'm here to help turn your "no" into a "yes"!
https://myoc.io/aschoemehlgershmancom

03/30/2026

Are you an investor running into roadblocks with traditional banks? 🤔 You’re not alone! Just like our recent client who was initially told "no," we found the roadmap to success with a unique DSCR program. As long as your rental income covers the mortgage payment, you're likely in the clear—no showing extra income required! 🌟

Have your eyes on a dream investment? Let's chat and discover options that fit your financial situation. Often, where others see limits, we see solutions. I'm here to help you all the way through.

Drop me a comment or DM if you're curious to learn how this could work for you! Ready to explore the unexpected path to owning your next investment property? 👇
https://myoc.io/aschoemehlgershmancom

03/30/2026

🌟 Navigating the turbulent seas of the current mortgage market? Fear not, I'm here to offer a beacon of stability! At Gershman Mortgage, we understand the impact of market fluctuations and are here to provide you with a savvy solution: interest rate renegotiation. 🔍

By locking in today's rate, we protect against potential hikes, but also enjoy the flexibility to lower it if rates drop before your closing. This way, we're betting smart, saving you dollars, and outwitting the interest rate guessing game! đź’ˇ

Interested in learning more or need help unlocking these savings for yourself or your clients? I'm just one message away. Let's make home buying simpler and stress-free. 🏡
https://myoc.io/aschoemehlgershmancom

02/06/2026

Dreaming of owning a home by 2026 but don’t know where to start? 🎯 Let’s turn those dreams into a plan! With over 25 years in the mortgage business, I’ve helped thousands find their way to home ownership. Ready to make consider whether your old credit items need clearing up? Let's boost your credit scores so we can find you the best mortgage terms possible.

Is your budget home-buying-ready? Together, we'll review your expenses against your income to ensure you can comfortably afford that house payment. We’ll also take a look at your savings and discuss incredible first-time homebuyer programs.

Dreams don’t work unless you do, so let's create a roadmap for 2026! Comment below or message me to get the journey started. Let's make your homeowner aspirations a reality.
https://myoc.io/aschoemehlgershmancom

02/04/2026

Thinking about changing jobs during your home buying journey? 🤔 You’re not alone, but it’s important to tread with caution!

Here's the scoop: Your pre-approval may depend on elements like overtime, bonuses, or commissions. That new job might not showcase the same benefits, which could impact your overall approval.

So if you can, holding off on any job changes until after the house closes is your safest bet. But don't worry—I'm here for all your questions regarding how career moves might impact your pre-approval.

Drop me a message and let's navigate these waters together! Your dream home awaits, let’s make sure you’re ready for it.

https://myoc.io/aschoemehlgershmancom

01/26/2026

Ready to take that life-changing step toward homeownership? 🏡 As an experienced Mortgage Loan Officer, I'm here to guide you every step of the way, from the first application to closing on your dream home.

Have questions about your mortgage options or how to get started? Let's chat and make your homeownership dreams a reality today!

Send me a message or comment below with your biggest home-buying questions.
https://myoc.io/aschoemehlgershmancom

01/19/2026

Want to dive into the real estate market but worried about qualifying for a mortgage? 🤔 You're in luck! With the DSCR (Debt Service Coverage Ratio) loan, as long as the rental income covers the mortgage, you're set, no pay stubs or W-2s needed!

Curious about how this could work for you? Let's chat and unlock your real estate potential! Drop a comment or message me today.

🏡
https://myoc.io/aschoemehlgershmancom

01/19/2026

🏡 Exciting news for homebuyers! The Senate just passed the new Housing Act, aiming to make your dream of owning a home more attainable than ever.

This groundbreaking bill cuts through the red tape, providing easier access to mortgages and exploring innovative housing options. If high prices and limited supply have been holding you back, relief could be around the corner.

Thinking about how this can help you? Let's chat! I'd love to guide you through the opportunities this act presents.
https://myoc.io/aschoemehlgershmancom

01/12/2026

Wondering when it's the perfect time to buy a home? 🤔 Trust me, the answer is NOW!

Research shows January properties can cost up to 25% less per square foot than in May. So why wait and pay more when you can snag your dream home for less today?

I'm here to provide straightforward mortgage solutions that make your buying experience smooth and stress-free. Ready to get started or have questions? Shoot me a message or drop a comment below. Your future home is just one conversation away!
https://myoc.io/aschoemehlgershmancom

11/24/2025

🎉 Ready to furnish your dream home? Hold on! Before you splurge on housewarming shopping sprees, consider this: even your extra cash might affect your mortgage pre-approval. 🤯

Before indulging in that comfy couch or snazzy new dining set, make sure your financial plans align with your mortgage needs. Got questions about maintaining reserves and what this means for you? I'm just a message away, ready to assist you in exploring your best mortgage journey! 🏡💼

Drop any queries below or reach out directly—looking forward to exceptional customer service while securing your dream home! Let's get started together.
https://myoc.io/aschoemehlgershmancom

Address

Clayton, MO
63015

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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