Vickie Agan Full

Vickie Agan

Mortgage Loan Officer

Central Bank of St. Louis
2996 Highway K
O'Fallon, MO 63368
p: 314.219.0409
c: 573.228.0174
f: 314.746.4609
Email Vickie
NMLS# 400211

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Mortgage Checklist

This checklist can help you gather the documents you need to proceed with the loan.

  • Completed Loan Application and Signed Authorization
  • Homeowners Insurance Declaration Page (If refinancing)
  • Current Mortgage Statement (If applicable)
  • W2s from last two years
  • 30 days pay stub with YTD earnings
  • 2 months current bank statements, all pages
  • Social Security or Pension Awards letters (If applicable)
  • 2 Years tax returns
  • Divorce Decree (If applicable)
  • Trust Documents (If applicable)
Click here for a printable checklist

In 2011, Vickie joined the mortgage industry having been in real estate for 20 years. Her past experience as a real estate broker provides her with a great understanding of various mortgage transactions. Vickie specializes in working with first-time homebuyers and enjoys preparing families for their next home, as well as, working with those looking to invest in the real estate market.

Vickie loves spending time with her husband, Steve and her kids, Brad and Sarah and son-in-law Ken and granddaughter, Madelyn. She enjoys photography, gardening, and spending time with her family at the Lake of the Ozarks boating and fishing.

Vickie is focused on providing the highest level of customer service to provide her clients and referral partners with the best loan options and long term planning. Call her today!

Support Staff:
Tim Maddox, Processor, 314.835.3719,
Email Tim
Liza Cozart, Loan Officer Assistant, 314.835.3783,
Email Liza, NMLS#604932

Home Affordability

Getting prequalified should be your first step in the home buying process. And, prequalification will help you understand how much home you can realistically afford.

Use the calculator below to determine the price range and how much home you should actually be looking for based on your current financial situation. From there, start the search for your dream home with confidence, buying power, and Central Bank by your side.



Mortgages 101: Fixed Vs. Adjustable [Infographic]

Making the choice to buy a home is quickly followed by a plethora of other decisions you will have to carry out, like where the house will be located and what you want in your perfect new abode. One of the most important decisions you'll need to make is what type of mortgage works best for you.

This choice is crucial because it will affect your finances for the next few years, if not decades, of your life. There are so many options that first-time homebuyers, or even experienced homebuyers, might feel overwhelmed with the decision.

However, once you understand the pros and cons of the various mortgage options, this decision will be easier for you. (read more...)