St. Louis has become known for its competitive housing market and real estate, due to its amenities and affordability of living. Many of its residents are always looking to buy a home in one of the infamous St. Louis communities that are perfect for raising families. We are St. Louis lenders that you can go to achieve that goal. Our officers help each customer out individually to meet their goal by handing out over $1 billion in . It doesn’t matter if you are refinancing a option or buying a new home, our customer service is designed to work directly with you to get the you need to get your dream home in St. Louis.
The number one goal of Liberty company, in that we constantly monitor our rates to make sure that we always provide you with the most updated, low-interest rates we can. The St. Louis housing market is hot and booming, and we understand more than anyone that efficiency and transparency to homeowners is paramount. To that end, we are always open and upfront about our interest rates to potential customers. St. Louis is always to save you money – so our officers are trained to give you the lowest, fixed- that you can receive based on your individual needs. We are a unique
Throughout the entire process – from underwriting to closing – the personal you are assigned will help you find the best for your needs. We have streamlined this process to ensure that you receive expert service from someone who knows everything about your situation and can fulfill your needs. Allow Liberty St. Louis to advocate for you while finding the best rates for your new home or refinancing your current .
Home – First Time
As housing has become more affordable and with St. Louis providing a great quality of life, enjoy choosing between one of several great neighborhoods to settle down in. If you are a personal who will stay with you throughout the entirety of the and ensure that you are with the best that fits your needs. We have sixteen years of experience in the St. Louis housing market, which gives us an edge over our competitors while helping you find the best financial options for your new home., do not fear – we will provide you with a
The for St. Louis housing are at an all-time low, so if you are thinking about refinancing, you should do it now. If you your with us, we will be able to help you lower your monthly payments, receive money for home improvements and/or college loans, or pay off any bills you have. Our officers are here to work directly with you in finding the best to meet your needs, and with low-interest rates to boot!
We are St. Louis lenders who know that each client is bound by a unique set of circumstances, so we process each individually. We know not everyone will want a or VA loan. We will help you decide the best course of action via lowering your monthly , getting money out of your home, or both! Whether you want to buy a new home or your current home, our main goal is to provide you with the proper information and process to do so.
Liberty Consultants also pledges to help each customer not only achieve their dreams with their house purchase but also save money on their .
As a in St. Louis who has helped thousands of customers over the years, we have never wavered from our pledge to help find every one of our customers a solution for their residential or commercial needs. No matter what the current is, we have always been committed to getting you the that you can afford. Because of this commitment, we have seen many first time clients turn into repeat clients – whether they are buying another home, refinancing their , or buying an investment or commercial property.
When you are buying your first home, there are certain things that you will need your to offer. First-time often need more assistance than those who are already on the property ladder. The following tips can help you find a that will be able to meet all your needs as a first-time buyer.
1. Review Your Credit History And Score
Your and history are really important pieces of information that St. Louis lenders will use in assessing your application. It is a good idea to review these before you make your application so that you can see what the will see when they are looking at your application.
One of the most important things to check is your debt-to-income ratio. This will play a large part in determining how much lenders are prepared to let you borrow. Just because you could be offered a certain figure, this doesn’t mean that it would be affordable and so this is something to think about.
If your is lower than you would like, then there are things you can do to improve it, so don’t panic too much.
2. Ask About Programs For First Time
Some lenders will work with state agencies to offer programs that can help a first-time down . They may make this available to you by the if you are a veteran or public servant, or if you have student loans.. may be offered a discount on the or assistance with the
The programs are often marketed by state agencies for housing and finance, but this doesn’t mean that you won’t be able to use the services of St. Louis companies. Many of these loans are actually managed by just this type of company.
3. Choose a , , and a USDA That Offers a
You may also find that you qualify for a program that is offered by the government. Depending on your circumstances you could receive a from the Department of Veteran Affairs, the Federal Housing Administration, or the Department of Agriculture. The requirements to qualify for one of these loans are often relaxed, so it is more likely that you will be accepted.
VA loans and USDA loans often do not require you to make a down . You will have to make a 3.5% deposit with FHA loans, but this is lower than you would get with other lenders. All three of these loans will also have a lower minimum and this can make it higher. that is needed to be accepted. The downside is that the total amount you can borrow also tends to be less than other lenders. Your is also likely to include
4. Compare Interest Rates And Other Financial Details
There are many rates different companies are offering. While looking at APR can be a useful basis for comparison, it is not all that you need to think about. comparison tools that you can use to see what
Many loans will come with fees for various aspects of the application, and these should also be compared. These can vary quite considerably between lenders and so you should always ask for a full list of all their costs. If they try to explain it to you verbally, then you can always ask for the information in writing. This is often the best option because it ensures that nothing is forgotten about.
If you feel as a is trying to push you into a decision, then this should be a warning sign. You need to be given enough time and space to think everything through, and a good will respect this.
5. Get Pre-approved Before You Start Looking For Houses
A will often give you pre-approval for a , which means they will give you a figure that they will be prepared to lend you. It is a good idea to have this in place before you start looking for a property so that you know what your budget is. You will also get some idea of what your repayments will be.
You may be able to get pre-approval from lenders without having to visit their office as they will allow you to upload digital documents. However, others will want to meet you face to face. When you are choosing a you may want to take into account whether their criteria for pre-approval will work with your schedule.
If you have a low , or your income is inconsistent, then this could be a barrier to you getting pre-approval. Many lenders can work around this though, so it is always worth asking if there is anything they can do to help.