• Our Leanders
    Brian McRae

    Brian McRae

    Senior Vice President, Residential Lending
    Business Development Loan Officer
    Certified Mortgage Planning Specialist

    Central Bank of St. Louis
    425 N. New Ballas Road, Suite 101 
    Creve Coeur, MO 63141   
    p: 314.835.3725 
    c: 314.220.2233 
    f: 314.746.4609 
    Email Brian 
    NMLS# 595479

    Brian has over 15 years of executive and sales management experience. As a Certified Mortgage Planning Specialist, Brian tailors a financing strategy that help his clients accomplish both short term and long term goals. It is this unique combination of experience and qualifications that allow him to provide a great home buying or refinancing experience for each of his clients.

    Support Staff:
    Brenna Doehring, Loan Officer Assistant, 314.835.3717, Email Brenna, NMLS#1652981
    Cindy Grosse, Processor, 314.835.3783, Email Cindy, NMLS#1600798
    Bradford Wilmotte, AVP, Mortgage Loan Officer, 314.219.0401, Email Bradford, NMLS#1044412

    Testimonials:

    “Brian has been the complete professional in every transaction we have shared. . . Noteworthy is his knowledge and an ability to clearly explain today's mortgage industry to his clients. It is a joy to with him.” KR, Real Estate Agent

    “Brian has refinanced our home multiple times. He shops for the lowest rate possible, is efficient, and is always looking out for my best interest. . . . I highly recommend him." JF - St. Louis County

    "Brian has been a trusted advisor for us and has been extremely up front with setting expectations without pushing a particular product. I trust Brian to work with me in the future." DF - St. Louis

    ". . . Brian is by far the best I have worked with. He is thorough, very knowledgeable. . . . I would absolutely use him again and refer him to others." SS - St. Charles

    Questions? We are here to help you.

    Calculate a Mortgage Payment

    Understanding your potential mortgage payment will help you determine what type of home is within your reach.

    Your monthly mortgage payment includes both repayment of the loan principal, plus monthly interest on the outstanding balance. A mortgage payment can also include pre-payments on property taxes, homeowner’s insurance and monthly homeowner’s association dues into an escrow account managed by your lender.



    Your Application Essentials

    Whether you’re purchasing or refinancing, Central Bank is here as your number one resource through your application and home-buying process.

    Necessary Documents to Process Your Loan

    Since the financial crisis of 2008, there are over 400 new regulations that impact mortgages. But don’t worry; we are here to help navigate these for you. These new checks and balances are necessary to protect you and to process and approve your loan. We are experts in this area, reviewing your full individual financial situation, so we can issue you a clean loan approval. The four categories we consider when approving your loan include: income, assets, collateral and credit.

    Employment Income Verification:
    To verify your employment income, we will need your last 2 years of W-2 statements and a full 30 days of paystub statements.

    Assets:
    To verify your assets, we will need at least 3 months of checking, savings, investment and, if applicable, retirement statements, such as IRA’s or quarterly 401k statements.

    Collateral:
    Along with your income and assets verification, we will need these documents and information regarding your new home purchase.

    Credit Score:
    Your credit score is one of the main elements of information we will use to evaluate your application.