Central Bank of St. Louis
Central Bank of St. Louis
425 N. New Ballas Road, Suite 101
Creve Coeur, MO 63141
f: 314.746.4609 Email Brian
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
“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.
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.
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.
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.
Along with your income and assets verification, we will need
these documents and information regarding your new home purchase.
Your credit score is one of the main elements of information we will use to evaluate your application.