The home buying process can be full of ups and downs, drawn out and full of hassles. Make things easier on yourself by planning out how exactly you can get a St. Louis home loan.  USA Mortgage has established a simple three-step process to help get you into your next home.

  1. Pre-qualification – The first step in your home loan journey is a painless and easy process that takes less than five minutes to complete with a USA Mortgage representative.  This involves a mathematical process that helps determine the amount you are able to afford for your St. Louis loan.
  2. Loan Application – With our in person, phone, or online application options, submitting an application for a home loan couldn’t be easier.
  3. Application Processing and Pre-approval – After receiving all of the necessary information to process your application, we will contact you for the following:
  • Your last two pay stubs (one year-to-date; P & L if self-employed)
  • Your last two W-2 forms (personal and/or corporate returns will not be requested unless necessary)
  • The last two statements you have received in the mail from any institution with which you have money on deposit (e.g. checking or savings account, investments, 401K, etc.)

If you still have questions regarding qualifying or applying for a St. Louis home mortgage, contact the mortgage bankers at USA Mortgage.  Our professionals are ready to walk you through the steps of the loan process.