Purchase

plan ahead for an easy home buying experience

Purchasing a home is likely one of the largest financial investments a person will make, so it's important to start the process correctly and understand your options. Getting the right mortgage is just as important as buying the right house.

Take charge from the start and get pre-approved today!

apply now

Follow these steps to be sure your home buying process goes smoothly:

  • DETERMINE YOUR PRICE RANGE:  Knowing how much your budget can afford will save time when house hunting and keep you in check with location and amenities. Look at your annual income and your monthly expenses as a start. Utilize our mortgage calculators to help determine a payment.  

  • GET PRE-APPROVED:  A mortgage pre-approval makes your offer more desirable to a seller which can give you an advatgage when negotiating a home purchase.

  • SELECT A REAL ESTATE AGENT:  Agents streamline the home buying process by finding properties in your desired location and price range and help buyers navigate regulations and laws. It the state of Missouri, it doesn’t cost buyers anything to have a real estate agent since the seller pays the  commission.

  • FIND YOUR HOUSE:  Once you find a home you like, your agent should help you negotiate an offer to be formalized in the purchase and sales agreement, a binding contract between you and the seller. This is also the time to get  the home inspected.

For detailed information about our mortgage loans, click here. For a FREE mortgage consultation, call our mortgage experts at (636) 720-2495.

Current Mortgage Rates