Dawn Baumgartner | Central Bank of St. Louis

Dawn Baumgartner

Business Development Coordinator

Central Bank of St. Louis
425 N. New Ballas Road, Suite 101
Creve Coeur, MO 63141
p: (314) 835-3783
c: (314) 517-7131
f: (314) 746-4609
Email Dawn

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Mortgage Checklist

This checklist can help you gather the documents you need to proceed with the loan.

View or print our Mortgage Checklist

  • Completed Loan Application and Signed Authorization
  • Homeowners Insurance Declaration Page (If refinancing)
  • Current Mortgage Statement (If applicable)
  • W2s from last two years
  • 30 days pay stub with YTD earnings
  • 2 months current bank statements, all pages
  • Social Security or Pension Awards letters (If applicable)
  • 2 Years tax returns
  • Divorce Decree (If applicable)
  • Trust Documents (If applicable)

As a real estate broker and business owner for the last two decades, Dawn comes to Central Bank and The McRae Mortgage Team with an energy to serve others in the real estate industry looking to expand their sphere of influence and grow a business built on referrals.

In 2019, Keller Williams’ Outfront Magazine ranked her and her team #23 out of 180,000 agents and teams in the world. They were also recognized in the top 19% on The Thousand List of America’s top 1,000 real estate professionals and teams by REAL Trends. Her leadership and experience, coupled with her background in education, is an asset to all of those she serves.

See more on Dawn’s LinkedIn page

Calculate Your Future Mortgage Payment

The parts of your monthly mortgage payment include both repayment of the loan principal and the 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. Calculate your estimated yearly costs below and monthly payment to help you decide how much you can afford.

 

 

Mortgages 101: Fixed Vs. Adjustable [Infographic]

Making the choice to buy a home is quickly followed by a plethora of other decisions you will have to carry out, like where the house will be located and what you want in your perfect new abode. One of the most important decisions you'll need to make is what type of mortgage works best for you.

This choice is crucial because it will affect your finances for the next few years, if not decades, of your life. There are so many options that first-time homebuyers, or even experienced homebuyers, might feel overwhelmed with the decision.

However, once you understand the pros and cons of the various mortgage options, this decision will be easier for you. (read more...)