Top 10 O'Fallon Lenders

I have been in the residential mortgage business for 30+ years and now work for Classic Home Loans, A Division of Flanagan State Bank. I have a vast knowledge of many different financial products that are available, which in turn leads me to forming and nurturing partnerships and business relationships that can last a lifetime.

I diligently work with customers to meet both their short-term and long-term personal and financial goals. Because of my many highly satisfied clients, I'm able to gain many referrals and repeat customers that need my services.

I work with many different customers, including people with excellent credit to those that have been turned down by other lenders who have CREDIT CHALLENGES. I offer our customers hope and advise them on what they need to do in order to obtain the American dream of home ownership.

We also offer credit repair services (certain conditions may apply) through the bank at no charge to the customer. We offer Down Payment Assistance (DPA) is forgivable. We offer very competitive rates and have our own staff of underwriters, processors and closers.

All of the decisions and the handling of your loan is made right here and not by someone outside of the bank. We offer lending in the following States Except: AK, CT, DE, HI, MA, ME, NH, NJ, NY, RI, VA, VT and Washington D.C..

I am able to offer many of the following financing options::
-Conventional (10, 15, 20, 25 & 30 Yr.)
-JUMBO Loans
-FHA
-USDA/Rural Development
-VA
-First Time Home Buyer
-2nd Mortgages
-HELOC's (Home Equity Lines Of Credit)
-Portfolio Loans
-Bridge Loans
-Construction
-Lot Loans
-Land Loans
-Fix and Flips for Residential and Commercial

Purpose of Loan:
-Purchase
-Refinance-Cash Out and No Cash Out

Property Types:
-SFR (Single Family Residence
-2-4 Units
-Condo's-Warrantable and Non-Warrantable.
-Townhouses
-Primary Residence
-Investment Property
-Second Homes
-Manufactured Homes
-Commercial Property
-Multifamily 2-8 Units

Over the past twenty-five years, I have had the rewarding privilege of originating residential home loans. Whether it comes to a home purchase or a home refinance. I strive to help guide you with the most important investment: your new home.

I understand how important this is to my clients and value prioritizing my clients and their needs. I am passionate about connecting with people and creating lasting relationships, as I believe this only strengthens our experience working together.

I am always honored and humbled to work with new referrals. I specialize in as first time homebuyers and all lending programs including conventional, FHA, USDA, and VA.

Additionally, for the past six years, I have proudly been a Homes for Heroes Lender and am certified as a Veteran Loan Specialist. During this time have helped over 50 families and given back over $25,000!

This allows me a small way to reward those who make our lives better for the services they provide daily; heroes include: Veterans, Police Officers, Firefighters, Teachers, Healthcare workers. Novus Home Mortgage is part of a Federally chartered bank Ixonia. As such am able to originate in all states with the exception of AK, MD, and NY.

Outside of the office, I am an avid bowler, sports nut, and motorcyclist. My wonderful wife, Judy, and I have been married for 30 years, and together we have four children, ages 27, 25, 22 and 22.

Doster Capital Group is a private finance company for businesses and real estate investors, headquartered in Orlando FL. We provide investors, business owners and developers with funding for real estate investment ventures.

In turn, our clients are able to build their real estate portfolios and further their business empire. Doster Capital Group is an efficient and competitive capital source . We ensure our clients are well informed of every step of the process.

Wendy has been in the real estate industry collectively for 28 years, initially licensed in 1987. She worked solo and in big brick and mortar offices, and went virtual in 2017, but recently joined Fathom Realty as its State Broker.

In 2020, Wendy decided to become licensed as a Loan Officer and is approved to write mortgages in nearly half the states in the U.S. Wendy has achieved the Graduate Realtors Institute (GRI), Certified Residential Specialist (CRS) and e-Pro designations from the Natl. Assn. of Realtors, which are symbols of excellence in the real estate industry.

Only a small percentage of all agents earn the CRS designation. Wendy enjoys working with clients and colleagues virtually, through Cloud-Based technologies.

Zach is a licensed Mortgage loan originator in the state of Missouri. Growing up in Mid-Missouri, Zach graduated from Helias High School. Thereafter he pursued his career at UCM and additionally attended Lincoln University and Columbia College.

Serving borrowers across Missouri, Zach prides himself on his attention to detail and in-depth communication. Understanding the importance of programs and processes allows Zach to find the right option for your financial needs.

Whether purchasing, refinancing or buying a second home, Zach will be there to guide you through the mortgage process from start to finish. Some would say he never sleeps due to his ability to always be available.

Gabby Letourneau studied Finance at Stetson University and The University of Florida. Gabby has over six years of experience helping people with their financial transactions. At 21, Gabby bought her first home and has converted it into an investment property.

Being a landlord has helped her develop knowledge and insight in homeownership. Along with her personal experiences, Gabby grew up in the real estate world. She knows the processes and procedures. Let Gabby take the stress away.

Whether buying your first house, dream home or investment property, Gabby is here for you. When Gabby is not helping her customers, you can find her riding horses, woodworking and working on craft projects.

Theodore is a Chief Executive Officer at TMD Capital, LLC, a national, direct, private lender. Theodore has demonstrated excellence in the commercial lending, and residential real estate industries.

He is skilled in Sales, Communication, Loan Pricing, Teamwork, and Marketing. Strong business development professional focused in Finance, The Peter J. Tobin College of Business at St. John's University.

Lifestyle Business Funding, LLC is a lender based off of Woodbridge, VA. Unlike traditional lenders, we approve small business loans by looking at real-life data, not just a credit score. We can provide you with the funding you need in as little as 48-72 hours and start your business right away!

Brock Freeman is the Chief Operating Officer and a Managing Partner at Kirkland Capital Group, which he co-founded. His career spans technology, finance, and real estate in both Asia and America.

Brock worked in Taiwan as a stock market analyst and in Hong Kong he built the sales and marketing department for a software startup.

In the U.S. Brock held diverse roles with mortgage lenders, including loan underwriting and auditing, managing underwriting teams, and build mortgage broker origination networks.

For a fast-growing mortgage lender he led a team to build the industry’s first web-based end-to-end loan underwriting, processing, and secondary marketing platform.

He also led technology teams at Microsoft and TrueBlue, as well as his own construction software startup, Kosah. Brock advises several Real Estate startups and funds.

He started the PropTech Seattle Open House events and started the local chapter of FIBREE.org, the Foundation for International Blockchain and Real Estate Expertise, serving as the Regional Chair.

As a member of the Cascadia Blockchain Council, he has testified to Washington State House and Senate Committees on behalf of blockchain bills. Brock graduated from the Foster School of Business at the University of Washington.

OWNER OCCUPIED IN FLORIDA AND ALABAMA ONLY | Investor and Commercial Nationwide

Private money is great for real estate investors. They allow for quick closings and loose terms making it easy to do more deals and to do larger deals.

One of the problems is that it can get very expensive eating into your profits and it's difficult to shop around because transactions are usually very time sensitive.

Lightning Loans fixes that. We are correspondent lenders to more than 30 of the largest investor friendly lenders. The comprise of Private Money, Hedge Funds and Instutitional Capital.

What's special is that before you finish filling out one of the PDF's they give you I can get you multiple competitive quotes.

It makes it very easy to figure out who will offer the best deal. Which in turn allows you to put more money in your pocket or stretch on the offer in order to secure the deal.

I can get you multiple quotes in hours with one application. Imagine filling out 30 applications by hand and submitting and waiting...

Whats even better as that most of the time we are correspondets which means that it wont cost you any extra to work with us because we get special pricing since we do a portion of the underwriting and fund the deal with our own money at closing.