Are you planning to buy St. Louis Real Estate and need a mortgage??
We've all seen the advertisements on television, in newspapers, on the radio and many other advertising mediums telling us that you can purchase real estate with a multiple of "creative financing" options: 
1. No money down; 100% financing
2. Below market interest rates
3. Interest only loans
4. Adjustable rate loans (Adjustable Rate Mortgage)
5. Loans in which you, the buyer, can determine your monthly payment.
Over the last several years, these options have been readily available to real estate consumers who are chasing the "American Dream"-Home Ownership.
Real Estate consumers with good to excellent credit ( scores of 580-850), have available to them "prime", or A paper loans. These are conventional loans made by the lender backed by the real estate purchased as collateral for the loan. These loans are made to the real estate consumer in three forms:
1. Full Documentation: a credit report, employment verification, salary verification, all debts and assets verified. All this information is documented by the lender. This is the most secure form of qualification and loan.
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