• Our Leanders
    Mike Kammerzell

    Mike Kammerzell

    Vice President, Mortgage Lending

    Central Bank of St. Louis 
    425 N. New Ballas Road, Suite 101 
    Creve Coeur, MO 63141 
    p: 314.835.3758 
    c: 314.503.5499 
    Email Mike 
    NMLS# 230413

    Mike has over 25 years of mortgage banking experience and has helped thousands of area homeowners with their mortgage needs. He cares deeply about each client and works hard to help them reach their home lending goals. With his experience and knowledge he can help to make the mortgage loan process easier to understand and pain free.

    Give him a call or send an email and talk about your needs and your goals.

    Support Staff:
    Nodira Todd, Processor, 314.219.0424, Email Nodira, NMLS#1646307

    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.