Mortgage Information

From researching neighborhoods all the way to closing, I can guide you every step of the way — and that includes sharing tips on things to consider as you shop for the right mortgage loan.

Mortgage Information for St. Louis Area Home Buyers

Your home is a significant investment and your mortgage should align to the needs of your family for the years to come. We highlight a few ideas to consider as you shop for the best loan for your needs. Keep in mind, these are just suggestions and speaking with a mortgage professional is imperative to get a clear picture of mortgage loan options, down payments and more.

Use a mortgage calculator to find out how much you can afford. Click below to get started:

Motto Mortgage Calculator

Tips for Getting a Mortgage

Types of Mortgages

Here are a few of the most often-used mortgage products that help people purcahse homes in the St. Louis area. Be sure to discuss your options with a qualified mortgage lender.



Conventional loans are the most popular mortgage product that are used to purchase a home. Conventional loans can be fixed-rate or adjustable-rate and they're insured with private mortgage insurance (PMI) that is factored into the monthly mortgage payment. You can request removal of PMI from your loan once you reach 20% equity.

Conventional Loan Info


FHA loans are mortgages that are insured by the federal government. FHA loans allow buyers to purchase homes with as little as 3.5% down. However, the buyer pays Mortgage Insurance Premium (MIP) that never goes away.

FHA Loan Info

VA Loan

A VA Loan is guaranteed by the Department of Veterans Affairs that provides eligible past and current members of our armed forces to purchase homes with as little as $0 down.

VA Loan Info Guide


A USDA loan is a $0 down mortgage option that is insured by the United States Department of Agriculture. The goal of the USDA Loan is to facilitate home ownership in rural communities. The catch is that USDA home loans are only available to buyers in certain geographical locations.

USDA Loan Info

Other Mortgage Products

While Conventional, FHA, VA & USDA are all popular types of loans, they are not the only loan products available to home buyers. Be sure to go over all the options with your mortgage lender before making a choice for you and your family.

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