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

08/14/2026

Thinking about buying a home soon? Waiting for perfect market conditions might be keeping you stuck. Many buyers focus only on purchase price, but your total monthly payment matters much more. Taxes, insurance, and HOA fees can quickly impact your monthly budget. Preparing your credit early is another essential step that gives you more control. A solid plan made ahead of time makes all the difference when you are ready to make a move. Ready to create a clear roadmap for your homebuying journey? Send me a message today to get started. 🏡
https://myoc.io/aschoemehlgershmancom

08/12/2026

“Can I actually afford this home?”

That’s the question most buyers are really asking. 🤔

When we ran the numbers on a $300K purchase with 5% down, here’s what mattered most:

✔️ P&I: $1,801
✔️ Taxes: $250
✔️ Insurance: $150
✔️ PMI: $102

Total payment: $2,303/month

To stay within conventional guidelines, the buyer needed about $58K+ income annually.

Knowledge like this turns guesswork into strategy. 🎯

Want your own personalized breakdown?
Send me a message — happy to help.
https://myoc.io/aschoemehlgershmancom

07/20/2026

Hey investors, it's Andy! Ready to explore a smooth solution for growing your property portfolio? Introducing DSCR loans: the game-changer for savvy investors who aim to minimize tax on their hard-earned cash.

The best part? Your rental income just needs to exceed the mortgage payment, no need to prove other income sources. 🏡

Curious how DSCR can fit into your investment strategy? Drop a comment or reach out! I'm here to guide you to simple and effective mortgage solutions. Let's unlock new possibilities together.
https://myoc.io/aschoemehlgershmancom

06/26/2026

Buying a home shouldn't leave you strapped for cash. Yet, many buyers max out their budgets just to pay the down payment. 🚪 Did you know that options like grant programs and low down payment options can help ensure you still have savings left?

A conventional mortgage with as little as 3% down might be right for you. Let's discuss how you can secure your dream home and keep your savings intact. Reach out today, and let's explore the mortgage options that fit your lifestyle. Ready to make the smart move? I'm here to guide you every step of the way. Let's talk!
https://myoc.io/aschoemehlgershmancom

05/25/2026

Feeling pressured about choosing the right home? You're not alone! Many first-time buyers feel they *have* to get it just right by buying their forever home instantly. Truth is, it's not about the perfect house, it's about finding certainty and flexibility in your decisions.

Ready to chat? Reach out today for personalized mortgage solutions. I'm here to help you every step of the way!
https://myoc.io/aschoemehlgershmancom

05/15/2026

Buying a home can be stressful if you don't have your financial ducks in a row. Many confuse pre-qualification with pre-approval, but they're not the same.

Think of pre-qualification as an appetizer; the main course is the pre-approval. 🏠 With full pre-approval, we've dived into your pay stubs, bank statements, and assets to give you the confidence of actual approval.

Starting your home search with this solid foundation sets you on a smoother path to that dream home. Got questions about making the home-buying process easier? Let's chat!

Andy Shamo, providing simple mortgage solutions, here to help you every step of the way!
https://myoc.io/aschoemehlgershmancom

05/15/2026

Curious how your down payment size could influence your mortgage interest rate? Here's the scoop: a larger down payment can lower your loan-to-value ratio, making you a safer bet for lenders and potentially securing you a better rate. This rings truest if you manage 20% or more.

However, balance is key. Don't raid your nest egg just to shave off a small interest point. Need help figuring out the best strategy for your financial journey? Let’s chat. I'm Andy Shemel, and I'm here to make mortgages straightforward for you. Reach out anytime; let's lay those money worries to rest.
https://myoc.io/aschoemehlgershmancom

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

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Clayton, MO
63015

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

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