• Our Leanders
    Rachel Ruskahr

    Rachel Rufkahr

    Assistant Vice President
    Senior Mortgage Loan Officer

    Central Bank of St. Louis
    425 N. New Ballas Road, Suite 101 
    Creve Coeur, MO 63141 
    p: 314.219.0470 
    c: 636.734.3721 
    Email Rachel 
    NMLS#: 298479

    With over 14 years of experience in the mortgage lending industry, Rachel takes pride in providing the best solutions to her clients’ financial goals. She has been honored with the FIVE STAR Mortgage Professional Award in the years 2013, 2014, and 2015. Adding to her mortgage experience, Rachel has a Bachelor of Science in International Business from Missouri State University.

    Providing excellent customer service is a top priority for Rachel. Whether you are looking to purchase or refinance, Rachel can help!

    Support Staff:
    Liza Cozart, Loan Officer Assistant, 314.835.3783, Email Liza, NMLS#604932
    Kara Plunkett, Processor, 314.219.0454, Email Kara, NMLS#1474742


    Testimonials

    “Rachel was wonderful. She was responsive, friendly, knowledgeable and very professional. She kept everything on schedule and she managed everything perfectly. She was great to work with and I will definitely recommend her in the future.” – Stephanie & Angelo

    “I LOVED working with Rachel. This was my first time obtaining a mortgage and she went above and beyond to explain everything to me and was always available for questions.” – Katie

    “Rachel was thorough, informative and wonderful to work with. I got very lucky in having her process my mortgage and never plan to use anyone else. Anyone that I know who needs a loan will be referred to her.” - Tiffany

    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.