Luke Dawson, Senior Mortgage Loan Officer

28/09/2026

You're stuck in a house that is too small, wrong location, or just need a change of scenery but increased rates have halted your shopping experience. So what do you do?

This morning I locked a conventional borrower with an 800+ credit score for a 7.75% par rate.

Bell Bank is still offering our One Time Close construction loan at a 6.25% rate with a minimum of 5% down. This is an interest only payment during the construction phase that will transfer into the current market rate for a 30 year fixed once the home is complete.

This gives you roughly 9-12 months to let rates cool back down while your dream home is being built and you have very managable payments in the construction phase.

You are not out of optoins! Lets chat!

Federal Reserve policymakers raised the benchmark interest rate just days after President Trump said the United States should have "the lowest interest rates in the world."

18/09/2026

Reminder that for MHDC loans rates are still extremely competitive!

Government loans -

6.375% + 4% down payment assistance
6.00% with no DPA

Conventional loans -

6.625% + 4% down payment assistance
6.25% with no DPA

These are for Qualifying first time homebuyers anywhere in the state of Missouri. Reach out for details 😄

09/09/2026

FIRST TIME HOMEBUYERS! With increasing rates, Bell Bank Mortgage wants to help YOU! For eligible borrowers we are offering a $1500 credit that can be paired with other down payment assistance programs.

contact me to see if you qualify!

18/08/2026

As routines settle back in, it’s a great time to think about what's next for your family.

If your current home feels a little too small, or a little too far from where you want to be, let's talk about your options.

14/08/2026

I remember telling my dad to take a picture of me because I thought this fit was so fire 🔥🔥🔥

13/08/2026

For the last few years, conventional offers have sometimes overshadowed FHA and VA loans. We decided to change that.

With our FHA and VA 5/1 ARM options, your interest rate stays the same for the first five years, then can adjust once a year after that, creating a lower starting point with flexibility over time.

Must be an eligible service member or veteran for the VA product. All loans are subject to credit approval, income and property restrictions may apply. Not available in all markets. Program guidelines are subject to change without notice. Other restrictions apply. Adjustable-Rate Mortgage (ARM) products have a fixed interest rate for a set period of time and adjust periodically thereafter. At the end of the fixed rate period, the interest rate and payments may increase. Escrows and full appraisal may be required.

11/08/2026

Building a new home is exciting, and having the right financing partner can make all the difference. From lot purchase to final walkthrough, I'm here to help you navigate the mortgage process with confidence.

Thinking about building? Send me a message and let's make your dream home a reality.

11/08/2026

Do what your told

06/08/2026

A common homebuying myths is that you need a large down payment to purchase a home. Many buyers can actually qualify with far less than 20% down, depending on the loan program.

Curious what you might qualify for? Let's review your options and build a plan that fits your budget!

06/08/2026

Weekend adventures are easier when everything already has a place.

The boat is protected.

The bikes are easy to reach.

The coolers and outdoor gear stay together.

And loading up does not turn into a search across the whole property.

A thoughtfully planned specialty garage can become your family’s home base—keeping valuable equipment organized, accessible, and ready for whatever the weekend brings.

What would your family keep ready to go?

Visit www.settlerstructures.com or call Settler Structures today: 417-SETTLER to start planning your custom build.