Downtown STL Lender

10/26/2021

Tips for Decluttering Your Home

Gather it all out in the open
Clean, repair, donate, or discard
Everything should have a place
Consider your storage options
Work in small increments

10/25/2021

Buying a home is the largest purchase in a person's life so I do my absolute best to make sure it's a painless process. My goal is to make you a client for life.

My advice is typically free. Contact me at 314-401-2541

10/22/2021

DID YOU KNOW ?

After you submit your application, we do a credit check on you, and also does what's called an 'affordability assessment', to make sure you can actually afford the mortgage you've applied for

We'll also carry out a valuation survey on the property to make sure it's worth what you're paying for it.

10/18/2021

My advice is typically free. Contact me at 314-401-2541

10/15/2021

10/13/2021

A mortgage is a necessity if you can't pay the full cost of a home out of pocket. There are some cases where it makes sense to have a mortgage on your home even though you have the money to pay it off.

10/11/2021

Is mortgage advice free?

This is a good starting point, as they know you and your financial situation. They'll tell you about their own mortgages, so do see how their products stack up against the competition before making a final choice.

My advice is typically free. Contact me at 314-401-2541

10/08/2021

What kind of spending will lenders look at?

During the mortgage application process, lenders will want to see your bank statements to assess affordability.

They will look at how much you spend on regular household bills and other costs such as commuting, childcare fees and insurance.

10/06/2021

Four steps and you're ready for your mortgage interview

Get your finances in order. ...
Think about your future situation and the effect on your finances. ...
Be prepared with your paperwork to avoid delays. ...
Book your mortgage interview in advance of finding a property.

10/04/2021

Ask your lender about rate locks and how long they're valid. Also, find out about current market rates (are they high or low?) and whether you should lock your rate.

Need advice ? Contact me at 314-401-2541

10/01/2021

A mortgage is a necessity if you can't pay the full cost of a home out of pocket.

There are some cases where it makes sense to have a mortgage on your home even though you have the money to pay it off.

For example, investors sometimes mortgage properties to free up funds for other investments.