Sometimes, the big name mortgage companies can make you feel more like a number than a person. Saint Charles Mortgage LLC understands that a great factor to what makes a mortgage successful is personal connection. We strive to give our clients the highest quality customer service by getting to know where you are in life and making sure we understand where you want to be.
We absolutely minimize your rate and closing costs by taking advantage of our access to several lender-only programs, helping you find what works best for your specific situation; be it purchasing a home, refinancing, or debt consolidation. I'm Charles Ellis, and as the owner of Saint Charles Mortgage LLC, I've made it my goal to make our company the premier mortgage company in both Missouri and Texas.
The small size of our company is to your benefit in several ways; you will always get personal attention from the same real person each time you call in, there's no automated-call headaches, and low overhead allows us to pass those savings onto you.
We absolutely minimize your rate and closing costs by taking advantage of our access to several lender-only programs, helping you find what works best for your specific situation; be it purchasing a home, refinancing, or debt consolidation. I'm Charles Ellis, and as the owner of Saint Charles Mortgage LLC, I've made it my goal to make our company the premier mortgage company in both Missouri and Texas.
The small size of our company is to your benefit in several ways; you will always get personal attention from the same real person each time you call in, there's no automated-call headaches, and low overhead allows us to pass those savings onto you.
Services
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area.
Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
When choosing a home loan, it feels like the options are endless.
The team at Saint Charles Mortgage LLC will help you decide which mortgage option is best for your short-term and long-term needs.
Below, we've explained several types of loan options that we specialize in.
The fixed-rate mortgage is the most popular loan option in Texas and Missouri with predictable payments that remain the same for the life of the loan.
With a fixed-rate loan, your interest rate will never change for the term of your mortgage.
The team at Saint Charles Mortgage LLC will help you decide which mortgage option is best for your short-term and long-term needs.
Below, we've explained several types of loan options that we specialize in.
The fixed-rate mortgage is the most popular loan option in Texas and Missouri with predictable payments that remain the same for the life of the loan.
With a fixed-rate loan, your interest rate will never change for the term of your mortgage.
There are many benefits that a homeowner can receive when they conduct mortgage refinancing.
The benefits will differ from each borrower because each has their own individual purpose for their refinance.
Regardless of their reasons for one, the end result will always be one of the benefits that we have listed below.
Obtaining a lower mortgage interest rate is the ultimate goal of most borrowers.
Refinancing for a lower rate will put money in your pocket as you begin to pay the lower rate.
You can also consider your improved credit.
The benefits will differ from each borrower because each has their own individual purpose for their refinance.
Regardless of their reasons for one, the end result will always be one of the benefits that we have listed below.
Obtaining a lower mortgage interest rate is the ultimate goal of most borrowers.
Refinancing for a lower rate will put money in your pocket as you begin to pay the lower rate.
You can also consider your improved credit.
Borrows often lock into 3 to 10 years of fixed rate payments before the initial interest rate change.
At the end of the fixed period, the interest rate adjusts annually.
Fixed-period ARMs are typically tied to the one-year Treasury securities index: 3/1, 5/1, 7/1 and 10/1.
ARMs with an initial fixed period beside of lifetime and adjustment caps usually have also first adjustment cap.
It limits the interest rate you will pay the first time your rate is adjusted.
First adjustment caps vary with type of loan program.
At the end of the fixed period, the interest rate adjusts annually.
Fixed-period ARMs are typically tied to the one-year Treasury securities index: 3/1, 5/1, 7/1 and 10/1.
ARMs with an initial fixed period beside of lifetime and adjustment caps usually have also first adjustment cap.
It limits the interest rate you will pay the first time your rate is adjusted.
First adjustment caps vary with type of loan program.
Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae (FNMA) and Freddie Mac (FHLMC).
Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community.
Every year, form October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.
Buying back mortgage loans allow these agencies to provide a continuous flow of affordable funding to banks that reinvest their money back into more mortgage loans.
Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community.
Every year, form October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.
Buying back mortgage loans allow these agencies to provide a continuous flow of affordable funding to banks that reinvest their money back into more mortgage loans.
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