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Mortgage Loans St. Louis

Your home journey starts here. 

From St. Louis to St. Charles County, Vantage-owned Mortgage Solutions, LLC provides the mortgage loans* St. Louis families need. Whether you're buying your first home or moving up, let's make your homeownership dreams a reality together. 

  • 14-day closing options^ 
  • First-time home buyer programs available 
  • Local expertise you can trust 
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*Mortgage Solutions, LLC, is a wholly owned subsidiary of Members Resource LLC, a Credit Union Service Organization, a wholly owned subsidiary of Vantage Credit Union. Mortgage Solutions, LLC—NMLS #277481. Mortgage Solutions, LLC dba Mortgage Solutions CU, LLC. Equal Housing Lender. Not licensed in all states. Please contact us for licensing information. Subject to credit approval.  

^Restrictions apply. View complete details. 


Mortgage Options

Find your fit for St. Louis homeownership. 

First-Time Homebuyer

Buying your first home is a big step. We'll guide you through the process and help you secure the keys to your new home. 

  • As little as 1% down 
  • Flexible credit requirements 
  • 14-day closing^ 

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2% Gift Assist

Get a head start on homeownership with our down payment assistance program designed to help qualifying buyers. 

  • Down payment assistance 
  • 1% down required 
  • 14-day closing^

15/15 Adjustable-Rate Mortgage (ARM)

If you're planning to move or refinance within a few years, this ARM offers lower initial payments with increased buying power. 

  • Fixed rate for first 15 years 
  • Rate adjusts once 
  • Lower initial interest rates 

View Details

Subject to approval and credit worthiness of applicant(s). This is assuming a purchase transaction, single-unit primary residence only, 97% LTV, and a 640 minimum FICO credit score. You cannot qualify if you make higher than 80% of the median income in the area in which you are looking to buy. For example, if you live in an area where the median income is $99,596, you can’t use more than $79,676.80 to qualify for this program ($99,596 x 0.8 = $79,676.80). There’s a $766,550 upper loan limit on this conventional option. The content presented here is provided for high-level information purposes only and not an offer to lend or extend credit. Not all loan products or terms and conditions apply. Products, rates and terms subject to change without notice. 

^Restrictions apply. View complete details. 

ARM loans are variable rate loans; interest rates and payments may increase after consummation. For example – 15/15 ARM with a term of 30 years for $394,900, Initial Interest Rate of 4.875%, and an APR of 5.309%, your monthly payments for years 1–15 would be $2,089.84 and for years 16-30 monthly payments could be a minimum of $2,107 to a maximum of $2,683 (based on the current Index Plus Margin). Monthly payments do not include taxes and insurance and the actual payment obligation will be greater. Payments are based on a 60-day lock period with a scenario assuming borrower has excellent credit of 740 or higher. Subject to credit approval. 

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Your Homebuying Partner

We're with you every step of the way.

Whether you're a first-timer navigating the process or a seasoned buyer looking for your next chapter, our St. Louis mortgage team has your back. Mortgage Solutions, LLC, a wholly owned subsidiary of Vantage Credit Union, can help you purchase your first home, move into a bigger home, downsize an empty nest or even refinance your current residence. 
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Refinancing

Ready to refinance or get cash out? We can help.

Already own a home? Refinancing might make sense if you want to lower your monthly payment, pay off your mortgage sooner, eliminate mortgage insurance or tap into your home's equity. St. Louis-based mortgage loan officers at Vantage-owned Mortgage Solutions, LLC can help you weigh refinancing options and find the solution that fits your goals and financial situation. 

  • Reduce your monthly payment with a lower rate 
  • Switch from adjustable to fixed-rate mortgage 
  • Use your home's equity for renovations or pay off high-interest debt 
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Adjustable- vs. Fixed-Rate Mortgages

Find the mortgage type that fits your plans.

Not sure which mortgage type fits your situation? Adjustable-rate mortgages (ARMs) offer lower initial rates and can help you qualify for more home, while fixed-rate mortgages give you predictable payments. Our team can walk you through both options to find what works best for your plans. 

  • Lower initial rates with ARM options 
  • Predictable payments with fixed-rate loans 
  • Expert guidance to match your timeline 
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Get your personalized match!

Complete this quick form and our team will reach out to help you find the right mortgage solution for your needs!

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