Chris Gilliam - NMLS# 202002 - Central Bank

Chris Gilliam - NMLS# 202002 - Central Bank I understand the importance of meeting critical timelines needed for a successful home purchase.

Our offices may be closed today, but I'm still here to help! If you have any questions or need assistance, don’t hesitat...
09/07/2026

Our offices may be closed today, but I'm still here to help! If you have any questions or need assistance, don’t hesitate to reach out via call, email, or direct message. Wishing you a wonderful holiday!

Refinancing can be a wise decision, and can allow you to lower your monthly payments, or get a shorter loan term. Howeve...
07/21/2026

Refinancing can be a wise decision, and can allow you to lower your monthly payments, or get a shorter loan term. However, it’s important to evaluate both sides of refinancing. I can help guide you through the decision-making process and find what is right for you.

Contact me today or visit our Learning Center for more: https://www.centralbank.net/personal/home-loans/refinance/pros-and-cons-of-refinancing/

Member FDIC | NMLS # 407985 | Equal Housing Lender

When people hear “VA loan,” they often think of one benefit first: no down payment.But that is only part of the conversa...
07/09/2026

When people hear “VA loan,” they often think of one benefit first: no down payment.

But that is only part of the conversation.

Many Veterans and service members do not realize they may be able to use their VA loan benefit more than once, that VA loans do not require monthly mortgage insurance, or that this option is not limited to first-time homebuyers.

Like any mortgage option, the right fit depends on the full picture — eligibility, goals, property type, credit, income, and overall strategy.

If you or someone you know has served, connect with a local mortgage lender to talk through VA loan options and see what may be available based on your situation.

This is for informational purposes only and is not a commitment to lend. All loans are subject to credit approval, borrower qualifications, program guidelines, property eligibility, and underwriting approval. Additional terms and conditions may apply.

Member FDIC | NMLS # 407985 | Equal Housing Lender

Happy 4th of July! 🎇 If you need assistance, send me a DM, and I’ll be in touch shortly. Enjoy the festivities!
07/04/2026

Happy 4th of July! 🎇

If you need assistance, send me a DM, and I’ll be in touch shortly. Enjoy the festivities!

06/30/2026

Open houses are exciting — especially in the summer.

But before you fall in love with the kitchen, make sure you are looking at the full picture: estimated monthly payment, taxes, insurance, HOA dues, commute, and your overall comfort level.

Your Realtor can help you evaluate the home and offer strategy, and your lender can help you understand the financing side.

Walk in excited. Walk in prepared.

For informational purposes only. Not a commitment to lend. Loan approval and terms are subject to credit approval, program guidelines, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

Trying to compare a permanent buydown and a temporary buydown?Here’s the simple difference:A permanent buydown is focuse...
06/25/2026

Trying to compare a permanent buydown and a temporary buydown?

Here’s the simple difference:

A permanent buydown is focused on lowering the rate for the life of the loan.

A temporary buydown is focused on lowering the payment for an introductory period, often the first 1 to 3 years.

Both can be useful in the right situation, but the better fit depends on your loan type, available funds, seller or builder concessions, and how long you plan to stay in the home.

The key is not just asking, “What lowers my payment today?” It’s asking, “What makes the most sense for my full financial picture?”

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

June is National Homeownership Month 🏡A great reminder that buying a home does not start with the open house — it starts...
06/23/2026

June is National Homeownership Month 🏡

A great reminder that buying a home does not start with the open house — it starts with clarity.

Before you start house hunting, make sure you understand your monthly payment, cash to close, loan options, and overall comfort level.

The goal is not just to buy a home.
The goal is to buy a home with confidence.

Thinking about buying this year? Start with the numbers first. https://www.centralbank.net/learning-center/homeownership/buying/

For informational purposes only. Not a commitment to lend or extend credit. Loan approval, terms, rates, down payment, and closing costs are subject to borrower qualifications, program guidelines, property eligibility, and underwriting approval.

Member FDIC | NMLS # 407985 | Equal Housing Lender

🌞 Cheers to the first day of summer! Whether you're dreaming of a cozy lake house or a spacious family home, I'm here to...
06/21/2026

🌞 Cheers to the first day of summer! Whether you're dreaming of a cozy lake house or a spacious family home, I'm here to guide you every step of the way. DM me to get started on your mortgage journey!

Cheers to the dads! Wishing your family a blessed Father's Day.
06/21/2026

Cheers to the dads! Wishing your family a blessed Father's Day.

We honor Juneteenth today, a day of freedom and progress. Our offices are closed in observance of the holiday. If you'd ...
06/19/2026

We honor Juneteenth today, a day of freedom and progress. Our offices are closed in observance of the holiday. If you'd like to talk mortgages, don’t hesitate to call or email me, and I’ll reply as soon as I can.

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425 N. New Ballas Road, Suite 101
Creve Coeur, MO
63141

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