JR Obrecht-Mortgage Loan Advisor

JR Obrecht-Mortgage Loan Advisor If you are looking to buy or refinance a home, please feel free to reach out. I look forward to offering you the best home loan experience possible.
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Stanley Obrecht Jr
MLO NMLS # 223638
Homestead Financial Mortgage
Company NMLS: 222524; Branch NMLS: 1342354
Phone: (618) 288-7904
1431 Lewis Road - Edwardsville, IL 62025
Equal Housing Lender
For licensing information, go to: www.nmlsconsumeraccess.org What I enjoy most about being a mortgage loan advisor is having the opportunity to meet so many folks from different walks of life and the gratific

ation of closing difficult loans. I am available to get you pre-approved whenever you are ready, this includes evenings and weekends! JR Obrecht
NMLS # 223638
Homestead Financial Mortgage
NMLS # 222524
Equal Housing Lender
For licensing information, go to: www.nmlsconsumeraccess.org

09/08/2026

There is a belief out there that you need spotless credit to buy a house. It is one of the most common reasons people never make the call, and it keeps good buyers renting for years longer than they need to.

Here is why people believe it. Credit is the piece of the process everyone has heard of, so it becomes the whole story in their head. Lenders look at more than that one thing.

I would rather look at your actual situation and tell you where you stand than have you guess. If you have been putting off asking because you assume the answer, ask anyway.

Send me a message and we will start from the top with a real application. 💬

Stanley Obrecht Jr. | Branch Manager
JR Obrecht / Homestead Financial Mortgage
1431 Lewis Road, Edwardsville, IL 62025
📱 Call or Text: (314) 393-1314
📧 [email protected]
NMLS
#223638 | Homestead Financial Mortgage NMLS
#222524
🏠 Equal Housing Lender

Labor Day always gets me thinking about the people who show up every day and put in the work, whether that's on a job si...
09/07/2026

Labor Day always gets me thinking about the people who show up every day and put in the work, whether that's on a job site, behind a desk, or raising a family under one roof.

If this is the year the hard work gets you closer to owning a place of your own, that's worth celebrating too. Enjoy the holiday!

Helping first-time homebuyers navigate the process is something I take a lot of pride in. Buying your first home can fee...
09/04/2026

Helping first-time homebuyers navigate the process is something I take a lot of pride in. Buying your first home can feel overwhelming, but my goal is always to make sure you feel informed, confident, and supported every step of the way.
If you’re a first-time homebuyer and don’t know where to start, let’s connect — I’d be happy to help guide you through it.

09/03/2026

🏡 Another Happy Client Getting the Keys to Their New Home! 🔑

Whether you're buying your first home or your next one, Stanley provides dedicated, expert guidance every step of the way—all the way to the closing table and beyond!

Get in Touch with me!

Company: Homestead Financial Mortgage (NMLS #222524)

NMLS #: 223638

Address: 1431 Lewis Road, Edwardsville, IL 62025

Phone (Call or Text): (314) 393-1314

Email: [email protected]

Equal Housing Lender 🏠

09/01/2026

Buying a home? 🏡 Understanding what mortgage underwriters look for can make your homebuying journey smooth and stress-free!

Here are the top 3 things underwriters review when evaluating your loan application:

Credit Score: This shows your history of managing debt and helps determine your interest rate. A higher score generally means more loan options!

Job Time (Employment History): Lenders like to see stability—typically a consistent 2-year work history, especially in the same line of work or industry.

Debt-to-Income (DTI) Ratio: This compares your monthly debt payments to your gross monthly income to ensure you can comfortably afford your new mortgage payment.

Ready to take the next step toward your dream home? Let’s talk about your options today!

Stanley Obrecht Jr. | Branch Manager

JR Obrecht / Homestead Financial Mortgage

📍 1431 Lewis Road, Edwardsville, IL 62025

📱 Call or Text: (314) 393-1314

📧 [email protected]

NMLS #223638 | Homestead Financial Mortgage NMLS #222524

🏠 Equal Housing Lender

08/31/2026

Ever wondered what lenders actually look at when you apply for a mortgage? 🏠 Check out one of the most important metrics: your Debt-to-Income (DTI) Ratio.

What is DTI?
Simply put, your Debt-to-Income Ratio is calculated by taking all of your monthly debt payments and dividing them by your gross monthly income.

Why Does It Matter?
Think of DTI as a measure of your monthly financial breathing room. Lenders use this number to gauge your ability to manage monthly payments and comfortably repay the money you plan to borrow.

Thinking About Buying or Refinancing?
Let’s take a look at your numbers together and make sure you’re set up for success!

📲 Call or Text: (314) 393-1314

📍 Office: 1431 Lewis Road, Edwardsville, IL 62025

Stanley Obrecht Jr. | Branch Manager

JR Obrecht / Homestead Financial Group

NMLS #: 222524

08/28/2026

Thinking about buying a new couch for the living room? Or maybe a new car to park in the driveway? 🚗🛋️

STOP RIGHT THERE! 🛑

Here is my #1 piece of advice for anyone under contract on a home: Do NOT make any major purchases before closing day.

Even a slight change in your credit score or debt-to-income ratio can throw a wrench into your loan approval at the final hour. Keep your credit cards tucked away and hold off on big expenses until after those keys are officially in your hand! 🔑

Have questions about what is safe to do during the mortgage process? Drop a comment below or shoot me a text—I’m here to guide you every step of the way.

Stanley Obrecht Jr. | Branch Manager

🏢 JR Obrecht / Homestead Financial Group

📞 Call/Text: (314) 393-1314

📍 Office: 1431 Lewis Road, Edwardsville, IL 62025

🆔 NMLS #: 222524

08/27/2026

When it comes to mortgages, there’s a lot of noise out there—and separating myth from fact can make all the difference in your homebuying journey. 🏡💡

Making good financial choices starts with having the right information. Whether you’re looking to buy your first home, upgrade, or refinance, I’m here to help you navigate the process with clear, honest answers—no guesswork required. 📲

Got questions about interest rates, pre-approval, or loan options? Let’s cut through the myths and get straight to the facts.

Let's Talk Homes!
📞 Call/Text: (314) 393-1314

📍 Office: 1431 Lewis Road, Edwardsville, IL 62025

💼 Stanley Obrecht Jr. | Branch Manager

🏢 JR Obrecht / Homestead Financial Mortgage

🆔 NMLS #: 222524

08/25/2026

Please, I am begging you… do NOT buy a new car while we’re under contract! 🤦‍♂️🚗💥

The Golden Rule of Homebuying:
Hold off on major purchases—cars, furniture, new credit cards—until the keys are in your hand and the loan is funded! 🔑🏠

Have questions about what you can or can’t do before closing day? Give me a call before you sign anything! 📲👇

👤 Stanley Obrecht Jr. | Branch Manager

🏢 JR Obrecht / Homestead Financial Group

📞 Call/Text: (314) 393-1314

📍 Office: 1431 Lewis Road, Edwardsville, IL 62025

🆔 NMLS #: 222524

08/24/2026

Moving cities with a family is hard enough without your lender ghosting you. 📦🤪 We handle the heavy lifting on your financing so you can focus on finding the best local soccer leagues and packing up the playroom. Let's make your family's next chapter stress-free. Drop us a DM to start your relocation pre-approval!
Stanley Obrecht Jr.
1431 Lewis Road
Edwardsville, IL 62025

📱 Cell: (314) 393-1314
☎️ Office: (314) 393-1314
📧 [email protected]

Address

1431 Lewis Road
Edwardsville, IL
62025

Opening Hours

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

Telephone

+13143931314

Website

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