Jeff Brother NMLS# 269630 Certified Mortgage Advisor

Jeff Brother NMLS# 269630 Certified Mortgage Advisor Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Jeff Brother NMLS # 269630 Certified Mortgage Advisor, 100 Chesterfield Business Parkway, 2nd Floor, Rolla, MO.

Your debt-to-income (DTI) ratio plays a major role in the mortgage process. DTI adds up obligations like credit cards, a...
08/28/2026

Your debt-to-income (DTI) ratio plays a major role in the mortgage process. DTI adds up obligations like credit cards, auto loans, student loans, and your projected housing payment, then divides that total by your gross monthly income. A lower ratio generally provides more flexibility, but acceptable limits can vary depending on the loan program and your overall financial profile.

Knowing your DTI early can help you understand your budget, strengthen your buying power, and prepare for a smoother homebuying experience. Questions about your options? Let's connect.

Existing home sales fell 2.4% from May to June to a seasonally adjusted annual rate of 4.09 million homes. Even so, sale...
08/25/2026

Existing home sales fell 2.4% from May to June to a seasonally adjusted annual rate of 4.09 million homes. Even so, sales were nearly 3% higher than they were a year ago. Housing inventory also dipped slightly month over month but remains 1.3% above year-ago levels.

Even small additional principal payments can have a meaningful impact over time. Because interest is calculated based on...
08/21/2026

Even small additional principal payments can have a meaningful impact over time. Because interest is calculated based on your remaining loan balance, reducing that balance faster can lower the total interest paid throughout the life of the loan.

Some homeowners make one extra payment each year, while others add a small amount to their monthly payment. The right strategy depends on your goals, cash flow, and other financial priorities, but understanding your options can help you make more informed decisions about managing debt and building wealth.

Fed Chair Kevin Warsh has launched five new task forces to improve how the Federal Reserve gathers economic data, commun...
08/18/2026

Fed Chair Kevin Warsh has launched five new task forces to improve how the Federal Reserve gathers economic data, communicates with the public, and evaluates key issues like inflation, jobs, productivity, and its balance sheet. The goal? Modernize the Fed's decision-making process to help guide future interest rate policy.

Saving for a down payment can feel overwhelming, which is why many buyers are happy to learn that gift funds may be an o...
08/14/2026

Saving for a down payment can feel overwhelming, which is why many buyers are happy to learn that gift funds may be an option to help with that cost.

The rules vary by loan program, occupancy type, and source of the funds, and proper documentation is important, so it’s helpful to understand the guidelines early in the process.

If you're wondering whether gift funds could work for your situation, reach out to me or drop your questions below. I'm always happy to help.

This map helps explain why oil prices haven't spiked despite the latest escalation. Over the weekend, U.S. Energy Secret...
08/11/2026

This map helps explain why oil prices haven't spiked despite the latest escalation. Over the weekend, U.S. Energy Secretary Chris Wright said roughly 14 million barrels per day of crude was still moving through the region – about 7M bpd via the Strait of Hormuz and 7M bpd through alternative routes.

That continued flow has helped keep prices relatively contained. However, with the Houthis now proposing a maritime blockade against Saudi Arabia, that could change. The good news is mediators have proposed a 10-day ceasefire in an effort to get the interim peace deal back on track.

Many buyers focus only on the loan amount and interest rate, but your total monthly housing payment often includes sever...
08/07/2026

Many buyers focus only on the loan amount and interest rate, but your total monthly housing payment often includes several additional costs. Property taxes and homeowners insurance are commonly escrowed into the payment, while some loans also require mortgage insurance. If the home is part of a homeowners association, HOA dues may factor in your monthly budget as well.

Understanding the full payment, not just the mortgage portion, can help you budget more confidently and avoid surprises during the homebuying process.

After reaching a seasonal high of 47 in May, the MBS Highway National Housing Index continued to cool in July 2026, fall...
08/04/2026

After reaching a seasonal high of 47 in May, the MBS Highway National Housing Index continued to cool in July 2026, falling from 38 in June to 32. Buyer activity and home price direction both posted notable month-over-month declines.

Being self-employed doesn’t prevent you from buying a home, but the mortgage process may require additional preparation....
07/31/2026

Being self-employed doesn’t prevent you from buying a home, but the mortgage process may require additional preparation. Lenders typically review tax returns, business income, bank statements, and overall income consistency to evaluate qualifying income. Because write-offs can sometimes reduce reported income, planning ahead becomes especially important for self-employed buyers.

The good news? There are a variety of loan options designed for different income situations and business structures. I'm happy to walk you through your options and help you understand what lenders will be looking for.

Address

100 Chesterfield Business Parkway, 2nd Floor
Rolla, MO
63368

Opening Hours

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

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