Central Bank of St. Louis
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.
This icon indicates a link to third-party content. By clicking on the link, you will leave our website and enter a site not owned by the bank. The site you will enter may be less secure and may have a privacy statement that differs from the bank. The products and services offered on this third-party website are not provided or guaranteed by the bank.
Equal Housing Lender. Member FDIC.
If you want to buy or refinance your home, start with our Mortgage Center.
Discover a range of valuable financial topics in our Learning Center.
Can you afford that home? Or pay off that debt? Try one of our Financial Calculators.
Pay off debt or purchase that new vehicle with our flexible financing options.
Our credit cards are a tool that can help you manage your finances with awesome rewards!
Have a question? Check out our most frequently asked Online Banking questions.
If you have a complaint, question, or a compliment, we'd love to hear from you.
Send a message to customer support through our secure email channel.
Call us 24 hours a day, 7 days a week as soon as you realize your card is lost or stolen.
Questions? Email Central Bank's customer service team.