• Our Leanders
    Sharon Johnson

    Sharon Johnson

    Vice President
    Community Development Officer

    Central Bank of St. Louis
    10704 W. Florissant Ave 
    St. Louis, MO 63136 
    p: 314.835.3746 
    Email Sharon 
    NMLS# 603283

    Sharon has over 30 years in the banking industry with the last thirteen in community lending. She has the expertise and experience you need to get answers to your questions regarding mortgage loans and home ownerships. She can help you realize your home ownership dreams.

    Support Staff:
    Alice Stoops, Processor, 314.835.3716, Email Alice, NMLS#1151967

    Tiffany JonesHerrick, Loan Officer Assistant, 314.219.0456,  Email Tiffany, NMLS#1559841


    “Thank you for helping me to buy a house to call HOME.” E.G.

    “It was truly a pleasure working with you while qualifying for the mortgage loan. Thank you so much for your expert help and all the time and concern you showed.” S.

    “Thank you so much for your time and efforts in walking me through the process of purchasing my first home. Know, if asked, I will refer your services to others! . . .” C.

    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.

    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.

    Credit Score:
    Your credit score is one of the main elements of information we will use to evaluate your application.