Chris Gilliam - NMLS# 202002 - Central Bank

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Creve Coeur, MO
Chris Gilliam - NMLS# 202002 - Central Bank

I understand the importance of meeting critical timelines needed for a successful home purchase.

10/31/2026

Happy Halloween! Enjoy the tricks, treats, and all the spooky fun that comes with this festive season. Stay safe and have a great time! 🕷️ 👻

10/26/2026

Buying a home in St. Louis? 🏡 The upfront costs of homeownership can sometimes feel like the biggest hurdle.

Central Bank's Home Turf Assistance Program offers a $3,000 lender credit¹ for qualified homebuyers, helping make the path to homeownership a little more manageable.

Whether you're just starting to explore your options or wondering what's possible with your current savings, it may be worth a conversation.

Your next chapter in St. Louis could be closer than you think.

Connect with a Central Bank mortgage loan officer to learn more about HomeTurf and see whether it could be a good fit for you.

Member FDIC | NMLS #407985 | Equal Housing Lender

¹ Eligibility requirements and restrictions apply. See full program disclosure in the graphic for details.

10/12/2026

Our branches are closed today, October 12th, in observance of the federal holiday. If you have any mortgage inquiries, please message me, and I'll get back to you ASAP.

10/02/2026

Seller concessions can do more than just help with closing costs.

Depending on the loan program and how your financing is structured, they may be used toward a temporary 2-1 buydown, eligible closing costs and prepaids, or even a permanent rate buydown.

The best option really depends on your timeline, cash needed at closing, and long-term goals.

If you’re getting ready to make an offer, reach out to me before you write it. We can compare the options and see what may make the most sense for your situation.

Disclosure: Seller concessions are subject to loan program limits, eligible costs, transaction structure, and underwriting approval. Rates, terms, and availability are subject to change. Applicant subject to credit and underwriting approval. Not all applicants will qualify. Central Bank NMLS #407985. Member FDIC. Equal Housing Lender.

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!

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

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

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

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

Address

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

Website

https://www.centralbank.net/chrisgilliam/

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