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.
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.
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.
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.
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.
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.
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.
Reviews (6)
Dave Hopson
Mar 23, 2021
Report
Patricia Krusemark
May 19, 2020
Report
St. Charles Mortgage truly cares about its customers. Charles and his team were thorough, professional, patient, and, above all, kind. I received top notch customer service, my questions were answered in a manner that I could understand. Phone calls were answered or promptly returned as well as emails and text messages. I highly recommend this company.
Casey Woodfin
Nov 07, 2018
Report
Steve Anderson
Feb 27, 2016
Report
Kim Bonura Lowman
Jul 26, 2015
Report
Lja Lja Showtime
Jul 18, 2015
Report
