Mortgage Loan Options
Types of Home Loan Programs
From buying your dream home to accessing home equity, we have the mortgage loans to achieve your goals.
CONVENTIONAL
I have a strong credit score and steady income, and I want a competitive loan option.
- Lower interest rates with good credit
- Reduced or cancelable mortgage insurance
- Flexible loan terms and options
FHA
I want easier credit requirements and more flexible qualification guidelines.
- Lower credit score requirements
- Smaller down payment options
- Flexible income and debt guidelines
VA
I am a Veteran or Active Duty service member and want to use my VA benefits.
- No down payment required
- No monthly mortgage insurance
- Competitive interest rates
USDA
I want to live in a rural or suburban area and need affordable financing.
- No down payment required
- Low monthly mortgage insurance
- Competitive interest rates
REFINANCE
I want to improve my current mortgage to better fit my financial goals.
- Lower payments or better terms
- Access home equity if needed
- Simplify or restructure debt
BANK STATEMENT
These loans are designed for Self-Employed individuals and independent contractors.
- Qualify using personal or business bank statements
- No tax returns required
- Ideal for business owners and freelancers
JUMBO
I need a larger loan amount than standard county limits allow.
- Higher loan limits for luxury homes
- Competitive rates for well-qualified buyers
- Flexible property options
2ND HOME
I want to purchase a vacation home or secondary residence.
- Lower down payment options than investment properties
- Competitive interest rates
- Enjoy a getaway home year-round
RENOVATIONS
I want to buy a fixer-upper or upgrade my current home and finance the repairs.
- Combine purchase and renovation costs in one loan
- Based on the "after-improved" value
- Perfect for fixer-uppers
INVESTMENT
I want to purchase property to generate rental income or build long-term wealth.
- Build your real estate portfolio
- Potential for rental income
- Various financing options available
DSCR
I want to qualify using rental income instead of personal income.
- Qualify using rental income
- No personal income verification
- Ideal for real estate investors
CONDO
I want to purchase a condominium in Missouri.
- Warrantable and non-warrantable condo options
- Primary, secondary, or investment use
- Expertise in warrantable and non-warrantable condo loans
Find Your Perfect Loan Match
Answer a few quick questions and we'll show you which programs fit your needs best.
What is your primary goal?
Compare Loan Programs
Select up to 3 loan programs to compare their key features side-by-side.
| Features | Conventional | FHA | VA |
|---|---|---|---|
| Min. Down Payment | As low as 3% | As low as 3.5% | 0% in most cases |
| Min. Credit Score | 620+ | 580+ | Flexible (typically 580+) |
| Mortgage Insurance | Required if < 20% down | Upfront & Annual required | None (One-time funding fee) |
| Eligible Properties | Primary, Second Home, Investment | Primary Residence only (1-4 units) | Primary Residence only |
| Loan Limits | Up to local conforming limits | Varies by county | No set limits for full entitlement |
| Best For | Good credit and moderate down payment | First-time buyers, lower credit scores | Veterans and active military |
Let's Get Started
Choose the option below that works best for you to get started with Yvonne Silverberg.
Call Yvonne
Get immediate answers to your questions. Yvonne is ready to help you navigate the home buying or refinance process.
(573) 364-5626Talk With Yvonne
Thinking about buying, refinancing, or just exploring your options? Pick a time that works for you and Yvonne will personally reach out to discuss your goals and answer your questions—no obligation.
Apply Here
Ready to get started? Fill out our secure online application to begin your pre-approval process immediately.
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