Jason Disko at Guaranteed Rate Affinity (NMLS #2073372)

While prequalification is a good first step, it doesn't carry as much weight as a mortgage preapproval because a lender hasn't verified your financial information. Going beyond prequalification and getting preapproved by a lender is a critical step that shows you're serious about buying a home

The three main types of mortgages are fixed-rate, conventional, and adjustable-rate. Fixed-rate mortgages The interest rate stays the same for the entire term of the loan The most common term is 30 years, but can be 10–40 years Conventional loans Can be used to buy a primary home, second home, or investment property Borrowing costs are usually lower than government-backed loans Adjustable-rate mortgages Also known as variable-rate mortgages The interest rate can change over time based on a financial index Monthly payments increase or decrease based on the index rate Other types of mortgages include: Government-insured loans Such as FHA loans, which are made by private lenders but insured by the Federal Housing Administration Jumbo loans Conventional loans with non-conforming loan limits, which means the home price is higher than federal loan limits Interest-only mortgages Monthly payments only consist of interest, typically for a set period of time The best type of mortgage for you depends on your down payment, debt, credit score, and other factors.

Use our online mortgage calculator to estimate your monthly payments based on loan amount, interest rate, and term. This tool is perfect for budgeting and planning your home purchase in Saint Charles or Saint Louis, MO

To qualify for a home loan in Saint Charles, MO, you'll need a good credit score, proof of income, and a manageable debt-to-income ratio. Jason Disko Vice President of Mortgage lending can guide you through the pre-approval process and help you find the best loan options

The down payment required for a home in Saint Charles, MO, depends on the loan type. Conventional loans typically require 3%-20%, while FHA loans may require as little as 3.5%. Contact Jason Disko Vice President of Mortgage Lending to learn about low down payment options

Choosing a local mortgage lender in Saint Charles, MO, ensures personalized service, local market expertise, and faster loan processing. We're here to make your home-buying journey smooth and stress-free

Jason Disko is a local loan officer at Guaranteed Rate Affinity in Cottleville, MO, providing home purchase loans and refinances with low rates and a streamlined process.

Jason Disko is available Monday through Sunday from 9:00 AM to 9:00 PM to assist with mortgage lending needs.

Yes, Missouri's Housing Development Program offers cash assistance for down payment and closing costs for eligible buyers through certified lenders like Guaranteed Rate Affinity.

Yes, through VA or USDA loans you can purchase a home with no down payment if you meet their specific requirements, such as military service for VA loans.

Three main mortgage types are available: fixed-rate, conventional, and adjustable-rate, plus other options like FHA, jumbo, and interest-only loans tailored to your financial situation.

You can use the online mortgage calculator provided by Guaranteed Rate Affinity to estimate monthly payments based on loan amount, interest rate, and term, helpful for budgeting especially in Saint Charles and Saint Louis areas.

Qualifying requires a good credit score, proof of income, and manageable debt-to-income ratio. Jason Disko can guide you through pre-approval and loan options.

The office is located at 4502 Mid Rivers Mall Drive, Cottleville, MO 63376, USA.

Yes, you can try St. Louis Kolache bakery, Firehouse Subs Miralago for sandwiches, Albadia Mediterranean Cuisine for Middle Eastern dishes, or enjoy pizza at Crooked Feathers Pizza & Wings or Simple Simon's Pizza nearby.

Nearby services include mortgage brokers like Andy Ward and Bill Clince, tutoring at Sylvan Learning of St. Peters, beauty salons like Shear Art Salon, and urgent care at Mercy Kids Convenient Care - Mid Rivers.