Beilstein Mortgage Group

Beilstein Mortgage Group Brian Beilstein NMLS # 1081147
Equal Housing Opportunity
Neighborhood Loans, Inc. NMLS # 222982

09/01/2026

If you just assume you need $60,000 in liquid cash to buy a $300,000 home, you’re doing yourself a disservice.

Look into your options.

08/21/2026

This guy named Freddie and this woman named Fannie makes the rules, not me.

08/19/2026

My line is always open.. reach out as soon as you’re starting to think about buying a home.

08/05/2026

We do everything possible to get loans to the finish line, but sometimes, we just need some things to go the right way.

07/31/2026

We’ve all seen those perfectly polished email sign-offs... “Kind regards,” “Warmly,” “Best wishes,” Meanwhile, I’m over here thinking... “May your interest rate be low and your coffee be strong.” Or... “Talk soon... unless you’re ghosting me after I send your document list.” I may have some unhinged email sign-offs, but when it comes to your mortgage, I take things seriously. Whether you’re buying your first home, upgrading, downsizing, or just wondering what you qualify for, I’m here to guide you through the process from application to closing—with plenty of communication (and maybe a few questionable email endings) along the way. All jokes aside, if you’re looking to secure a mortgage loan, give me a call. I’d love to help you get home! 🏠

07/29/2026

Buying a home is TOO MUCH… until you stop trying to figure it out alone ☝🏻 DM me and I got you 🤍💌

07/24/2026

Not just a mortgage lender🫡 Working with you every step of the way and doing what needs to be done to get to closing🤝

07/22/2026

How much house can you afford?! 👇

The 28% rule says that no more than 28% of your gross income should go towards your mortgage. Using an example of 10% down, 6.3% interest rate, and estimated taxes and insurance, here’s what that breaks down to:

$300,000 home → $97,000 income
$400,000 home → $129,000 income
$500,000 home → $162,000 income
$600,000 home → $195,000 income
$700,000 home → $211,000 income
$800,000 home → $260,000 income

HOWEVER - you can technically get approved for much more. Lenders will approve you for ~45% of your gross income, minus your debts.

Here’s what that breaks down to if you have no debt (also assuming 10% down, 6.3% interest rate, and estimated taxes and insurance).

$300,000 home → $61,000 income
$400,000 home → $80,000 income
$500,000 home → $101,000 income
$600,000 home → $121,000 income
$700,000 home → $142,000 income
$800,000 home → $162,000 income

What you need to do is figure out the monthly payment you can comfortably afford, and work backwards from there! Maybe it’s closer to the 28% rule, or maybe it’s more or less! It all depends on what YOU are comfortable with!

07/17/2026

24 hours a day, 7 days a week 💪

07/15/2026

Always thinking of you! 😉 Probably because we are always texting our clients back! Communication won’t be a problem in our home lending relationship

Address

9812 Manchester Road
St. Louis, MO
63119

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+13143753801

Website

Alerts

Be the first to know and let us send you an email when Beilstein Mortgage Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Beilstein Mortgage Group:

Shortcuts

Share

Category