Nathan Grojean

Nathan Grojean I am a Home Loan Advisor with First State Bank with over 23 years of lending experience Nathan Grojean is a Senior Loan Officer at Cornerstone Mortgage, Inc.

with more than 16 years in the mortgage industry. Nathan loves watching both a first-time homebuyer and a repeat buyer pick up the keys after purchasing a home and seeing the complete happiness. Nathan prides himself on being extremely organized and detailed throughout the process. This is all to make the process easier for the client that is going through a stressful time of moving. He likes to m

ake sure his customers have a fun, enjoyable time during the process. Nathan specializes in first-time homebuyer programs. He is also well versed in different options on conventional loans to make the payment lower for the consumers. In the past, Nathan was a college tennis player. In his current free time, Nathan teaches tennis lessons, collects coins and enjoys traveling. He has been to every state with the exception of Alaska.

First State Bank is offering a free appraisal thru the Homebuying process for all First Responders thru offers accepted ...
01/22/2026

First State Bank is offering a free appraisal thru the Homebuying process for all First Responders thru offers accepted by March 31st, 2026. If either you are a first responder or you know someone who is a First Responder looking at buying a house in the near future, please reach out to me at [email protected] or call my cell at 309-242-0104 to receive great service with a discount in your Closing Fees.

I love helping homebuyers purchase anything from their first home to their 10 Investment Property with honesty and 25 ye...
01/02/2026

I love helping homebuyers purchase anything from their first home to their 10 Investment Property with honesty and 25 years of experience. If you are looking at financing anything from buying a home, building a house, or purchasing land please reach out to me and I will do my best to make it a great experience. Hope everyone has an amazing 2026!

Have you bought a house in the last 2 Years? Rates have been going down over the last few months and it's a good time to...
12/04/2025

Have you bought a house in the last 2 Years? Rates have been going down over the last few months and it's a good time to refinance if you have purchased in the last few years and have a rate in the high 6's or low 7's. Also, if you have increased your debt load because of Inflation and Cost of Goods and are carrying a higher rate on your Primary Residence you might want to look at consolidating your debt since equity positions on homes are still very high. I am available to do financing in all 50 states so reach out to me either on my cell at 309-242-0104 or my email at [email protected] with any financial questions and we can determine if it is a good time to refinance based off your financial needs.

With a combination of Houses starting to sit on the market a little longer and rates staying elevated in the middle to h...
08/05/2025

With a combination of Houses starting to sit on the market a little longer and rates staying elevated in the middle to high 6's the buydown options might be a perfect program for both older listings and helping making housing more affordable. As you can see from the flier below the difference in the payment the 1st year or two depending on the buydown option we move forward with is substantial and can assist with keeping payments down in those first few years of your new home. Reach out to me anytime with financial questions or to learn more about the program by emailing me at [email protected] or by calling my cell at 309-242-0104.

Received a couple of good review over the last month and I wanted to share their experience and reminded me how much I e...
07/10/2025

Received a couple of good review over the last month and I wanted to share their experience and reminded me how much I enjoy walking people thru financing their home. If you have any financial questions or want to have a good experience financing a home reach out to me anytime on my cell at 309-242-0104 or contacting my email at [email protected].

Per the Housing Report below for the St. Louis area you will see the Market still is doing well with Pending Sales up fr...
07/10/2025

Per the Housing Report below for the St. Louis area you will see the Market still is doing well with Pending Sales up from last year plus the Median House Price going up from 2024. With that being said there is more Inventory to choose from, and Houses are staying on the Market a little longer meaning it's starting to be a little less of a dominant Sellers' Market and Buyers are starting to have a few more houses to choose from when they are ready to buy. I am always available for a consultation on financing a home and walking you thru the process by calling my cell anytime at 309-242-0104 or emailing me at [email protected].

02/12/2025

On March 3rd this wonderful Mortgage Program called the MRR Program becomes available which offers a 1.5% discount on the Interest Rate on a 30 Year Fixed Mortgage. To qualify for this discount the eligibility requirements are below but the main qualification is that you have to make less than 80% of the average median income in the county that the house is being purchased in. This program is limited in funds and won't be available all year so reach out to me by email at [email protected] or my cell at 309-242-0104 on any questions and to see if you are able to get pre-approved for financing.

01/17/2025

Home$tart Grant for $15000 is available again for a limited time so if you are a buyer looking to qualify for funds to assist with Down Payment, please reach out to see if you can qualify. Grant is approved based off Income and Purchase Price limits based off the area that you are purchasing a home so please reach out with question on the program by emailing me at [email protected] or calling my cell at 309-242-0104.

First State Bank is offering a Holiday Special on 30 Year fixed mortgage where we are buying down the rate for the 1st y...
12/10/2024

First State Bank is offering a Holiday Special on 30 Year fixed mortgage where we are buying down the rate for the 1st year by a full percentage point. For Example, if the going market rate on a 30-year mortgage is 7.00% then for the 1st year the rate would be 6.00% and then following 29 years rate would adjust to locked in rate. Reach out to me today on my cell at 309-242-0104 or my email at [email protected] to learn more about the special and how this can help you save money for the next year on your new home.

Always love helping clients purchase a home even when they sometimes can be hard transactions. Email me at ngrojean@fsb...
10/08/2024

Always love helping clients purchase a home even when they sometimes can be hard transactions. Email me at [email protected] or call my cell phone anytime with Real Estate questions at 309-242-0104.

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St. Charles, MO
63301

Opening Hours

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

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