Terri Tish - Mortgage Loan Officer - NMLS #2291320

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United States
St. Louis, MO
Terri Tish - Mortgage Loan Officer - NMLS #2291320

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My goal is to support YOU through the home buying process and find the best loan to meet your needs. Licensed in MO, IL, FL and CO!

Loans made simple, service made personal!

11/03/2026

Anyone looking near Scott Air Force Base?! This one is gorgeous!!

We waive our lender fee for all VA loans!! Reach out if you have questions or need financing!

10/31/2026

October was all about finding creative ways to help families get into homes! 🏡❤️

One thing I want people to know is that there isn’t just ONE way to buy a home. And sometimes, the program you didn’t even know existed can make all the difference!

Right now, I have some incredible options available:

✨ Down payment assistance programs that may allow qualifying buyers to purchase with ZERO money out of pocket.

✨ Homeward Edge – Fairway grants 2% of the purchase price toward eligible homebuying costs.

✨ Fairway-paid temporary rate buydowns to help lower your payment during the first year.

✨ A 7-year ARM with an incredibly competitive interest rate.

And that’s not even everything!

My job isn’t just to get you a mortgage. It’s to educate you, look at ALL the options, think outside the box, and find the program that makes the most sense for your situation.

First-time buyer? Move-up buyer? Think you need more money saved before you can buy? Let’s talk!

You might be closer to homeownership than you think. ❤️

**I do it all, and I LOVE finding ways to make homeownership happen!**

📲 Let’s put a plan together!

Terri Tish | Your Local Lender

10/29/2026

🏡 **THINK HOMEOWNERSHIP IS OUT OF REACH? THINK AGAIN!** 🏡

Now is such a great time to explore your options, and I have some amazing programs available that could make buying a home more affordable than you think! 🙌🏼

✨ **BUDGET BOOSTER** — Fairway pays for a temporary rate buydown to help lower your interest rate during the first year of your mortgage!

✨ **7-YEAR ARM** — Looking for a great rate? This program offers an amazing opportunity to secure a lower initial rate with a 7-year adjustable-rate mortgage.

✨ **100% FORGIVABLE DOWN PAYMENT ASSISTANCE** — You may qualify for assistance that helps cover your down payment, making it possible to buy a home with less money out of pocket!

The best part? There may be an option that fits YOUR situation, even if you thought buying a home wasn't possible right now. ❤️

My goal is to help you understand your options, answer your questions, and find a path toward homeownership that makes sense for YOU.

🏡 **You don't have to have it all figured out to get started!**

📲 Send me a message, and let's talk about what might be possible for you!

Terri Tish | Your Local Lender
Fairway Mortgage
📞 314-550-5534

*All programs are subject to eligibility, qualification, and applicable program guidelines. Adjustable rates may change after the initial fixed-rate period. Down payment assistance forgiveness terms vary by program.*

10/28/2026

A realtor friend of mine just shared this from a client that had NO idea how much they were paying in lender fees. These type of fees should be ILLEGAL unless they are talked about in great detail with the borrower. Please listen to me, if you plan to buy a house now or ever again, who you work with matters. This realtor knew what to look for and help her client before they spent thousands in unnecessary fees. I can't even imagine how many years the break even point was for this client. This section of your loan estimate is SO important!!!

10/27/2026

Beautiful waterloo listing! If you are in the market for a new home in Waterloo, this is A MUST SEE! Reach out to Monica Schmidt Group - Brokered by EXP Realty with any questions or to set up a showing.

10/23/2026

Anyone looking in Manchester? This one is beautiful! The renovation and updates are top notch!!

If you have any questions or want to see it in person, reach out to Kate Meyer with Gualdoni Real Estate Group.

If you need financing, I’m your girl!

10/21/2026

Posting this closing because it was special. I started working with the buyers over 6 months ago walking them through the ever changing market and guiding them on different scenarios for the loan setup to get the best loan for their specific wants/needs. They finally closed on THE ONE!

Congrats Val and Taylor! I will miss talking to you so much! I can't wait to see you guys and your growing family make this house a home!

10/16/2026

🏡 JUST 1% DOWN AND ONLY $2,000 OUT OF POCKET TO BUY A HOME! 🔑✨

This is why I love what I do! ❤️

My client was able to take advantage of Fairway’s Homeward Edge program, putting just 1% down, while also negotiating seller concessions to help cover their closing costs.

The result? They were able to purchase a home with only $2,000 out of pocket! 🙌🏡

So many people put off buying a home because they think they need a huge down payment and thousands upon thousands of dollars saved. But with the right loan program and a smart strategy, homeownership may be more achievable than you think!

✨ 1% down payment
✨ Seller concessions to help with closing costs
✨ Only $2,000 out of pocket to purchase their home!

Every buyer’s situation is different, but there may be options available to help you get into a home sooner than you think.

You don't have to wait until you have 20% saved to start the conversation! 🏡

📲 Want to see if a program like this could work for you? Let's talk! I would love to help you explore your options.

10/07/2026

🏠 **If you’re buying a new construction home right now, PAY ATTENTION.**

New-home inventory is approaching **9 months of supply** — and that changes the negotiating game.

A 6-month supply is generally considered a balanced market. Builders are now sitting on a LOT more inventory, while buyers are still dealing with elevated mortgage rates.

And builders are responding.

Many are offering incentives, reducing prices, and finding creative ways to get buyers across the finish line.

That means it’s time to **NEGOTIATE.** 👏

Instead of automatically asking for a lower price, ask the builder:

💰 Can you contribute toward my closing costs?
📉 Can you buy down my interest rate?
✨ Can you include upgrades?
🧊 Can you throw in the refrigerator?
🏡 What else can you include to make this deal work?

**The biggest opportunity may not be getting the lowest purchase price — it may be getting the builder to spend money that makes your monthly payment more affordable.**

The market isn't crashing. Mortgage rates aren't exactly where buyers want them to be.

But buyers have something they haven't had much of in recent years:

**LEVERAGE.**

So if you're buying new construction, don't be afraid to ask.

You might be surprised by what a builder is willing to offer. 👀

Address

St. Louis, MO

Telephone

+13145505534

Website

https://www.fairwayindependentmc.com/lo/terri-tish-2291320

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