• Our Leanders
    Jean Godi

    Jean Godi

    Vice President, Mortgage Lending

    Central Bank of St. Louis
    9645 Clayton Road 
    Ladue, MO 63124 
    p: 314.835.3755 
    Email Jean 
    NMLS# 595459

    Jean has been a mortgage professional since 1988. She has both a BSBA and a Masters Degree from Washington University and is a CPA. Her long experience is a plus for her customers and she is dedicated to making sure that she finds the right loan for their needs.

    Support Staff:
    Tiffany JonesHerrick, Loan Officer Assistant, 314.219.0456, Email Tiffany, NMLS#1559841                                      
    Zach Bolte, Processor, 314.219.0420, Email Zach, NMLS#916553

    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.