Purchase2026-02-19T23:09:59-06:00

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Check out this vital information about getting a mortgage for primary residences, secondary homes, and investment properties. Learn about guidelines, rates, and FAQs.

Daily Spotlight

Getting a Mortgage as a Tradesperson: What You Need to Know

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The 21st Century ROAD to Housing Act

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2026 Top Workplaces Award by the St. Louis Post-Dispatch

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Bank Statement Loans Explained

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What Roller Coasters Can Teach Us About Home Buying

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Buy Now or Wait for Rates to Drop?

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Price Reduction vs. Rate Buydown: Why Lowering the Buyer’s Rate Is the Smarter Play

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Why St. Louis Is One of the Hottest Markets for Fast Home Sales and How Buyers Can Still Win

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What Loan-to-Value (LTV) Is and Why It Matters for Your Mortgage

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How to Get a Mortgage When You’re Self-Employed or Working “Gigs”

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Purchase|
What Types of Homes Work Best for First-Time Buyers?
April 16, 2026|6 min|

Purchase, Refinance|
What Homebuying Looks Like for Seniors: Income, Mortgages, and Smart Equity Moves
April 1, 2026|6 min|

News, Purchase|
Why Property Insurance Has Been Holding Up Home Purchases, And What Just Changed
March 24, 2026|4 min|

Got Questions? Get Answers Fast.

Simply provide your name and email and one of our experienced loan officers will reach out to answer anything you need to know.

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Credit, Purchase|
How to Buy a Home in Kansas with Low or Zero Down
October 20, 2023|5 min|
Personal Finance, Purchase|
Understanding Mortgage Points and Buying Down Your Rate
October 10, 2023|6 min|
Purchase|
Assumable Mortgage Loans
October 6, 2023|6 min|
Credit, Personal Finance, Purchase|
How Student Loans Can Impact Your Mortgage Dreams
September 27, 2023|6 min|
Purchase|
You Want Higher Mortgage Rates if You’re Shopping for a Home
September 21, 2023|5 min|
Purchase|
Why The Highest Offer Doesn’t Always Win
September 13, 2023|4 min|
Personal Finance, Purchase|
Demystifying Tax Bills in Illinois: A Guide for Homebuyers
September 6, 2023|4 min|
Credit, Purchase|
Buying a Home with Low Down Payment or 0 Down in Illinois
August 30, 2023|6 min|
Personal Finance, Purchase|
Don’t Let High Rates Deter You From Buying or Selling in the Current Market
August 25, 2023|4 min|
Personal Finance, Purchase|
Should You Wait for Rates to Come Down Before You Buy
July 28, 2023|4 min|
Credit, Personal Finance, Purchase|
How Can I Improve a Bad Credit Score to Get a Mortgage
July 5, 2023|7 min|
Purchase, Refinance|
Benefits of Paying Cash for Your Home Using Delayed Financing
June 29, 2023|4 min|
Credit, Purchase, Refinance|
How Can I Get the Lowest Mortgage Rate Possible?
June 27, 2023|7 min|
Credit, Personal Finance, Purchase, Refinance|
Mortgages After a Divorce When the Ex Handled the Finances
June 20, 2023|6 min|

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14897 Clayton Road, Chesterfield, MO 63017

(636) 590-7791

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About Us

Making Lives Better, one home at a time…

© 1998 - 2026 • Homestead Financial is a registered trademark of Endeavor Capital LLC. NMLS # 222524

Endeavor Capital, LLC dba Homestead Financial Mortgage, Endeavor Capital Mortgage
MB.0006030. NMLS ID 222524 – Illinois Residential Mortgage Licensee.
Illinois Department of Financial and Professional Regulation (IDFPR)
Division of Banking – 100 West Randolph Street, 9th Floor. Chicago, Illinois 60601
All Inquiries: 1-888-473-4858
TTY: 1-866-325-4949

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A
MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR
LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE
DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR
BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND
FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.

For licensing information, go to our NMLS Consumer Access page.

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