Buy a Home

St. Louis Home Loans
and Purchase Mortgages

It’s time for Better Rate Mortgage. Ready to go?

No-Hassle

Better mortgages start with Better Rate Mortgage.

Of course, there’s more to a mortgage than a better rate. But when it comes right down to it, you can’t do better than Better Rate Mortgage.

Lower rates.

Rates change all the time, but we know our lower costs can get you a better rate.

Fewer fees.

Apply now with no upfront appraisal or credit report fees.

Stronger offers.

Ready to make an offer? Get preapproved and you’ll be backed by our $5,000 guarantee.

Friendlier service.

When you call us, you’ll talk to a real person who knows your loan inside and out.

Faster closing.

Need to close quicky? Let us know, and we can move faster than the big guys.

Fewer hassles.

It really is easier to work with us. From preapproval through close, we’re there with you.

What Rate Can I Get Today?

Where are you in the homebuying process?

Researching

Wondering how much you can afford? Tell us a little, and we’ll tell you a lot.

Mortgage Calculator

House Hunting

Armed with a preapproval from Better Rate Mortgage, your offers can open more doors, faster than ever.

Get Preapproved

Ready to Buy

Let’s go! Our team is ready to make your mortgage process fast and easy.

Apply Now

or call us at 314-361-9979

Working with someone else?

That’s OK. But we don’t want to you leave money on the table. With a little information, and no hit on your credit, we can make sure you’re getting the best mortgage rate.

Let’s Talk Rates

What type of loan do you need?

Not sure? The information on this page can help. Our loan experts are also ready to help you find the loan that fits you. Call our team at 314-361-9979, and we’ll talk you through it.

Conventional loans are a good fit for most people with good credit. You’ll get some of the best rates on the market, and if you’re putting down less than 20%, your mortgage insurance will be less expensive.

Keep in mind that if you’re a veteran or buying a multifamily dwelling, there may be better options.

Conventional FTHB loans come with more flexible credit score guidelines than other loans. Plus, you can buy a home for just 3% down. If you’re buying a multifamily dwelling, you can put 5% down, freeing up cash for future real estate investments if that’s your thing.

Conventional FTHB loans do have some income requirements—call us for details.

Contrary to popular belief, FHA loans are not restricted to first-time home buyers. You can purchase a single-family home or even a two-, three- or four-family home with one low down payment. Contact us for specific requirements about this popular loan.

We’d love to talk to you about this tremendous opportunity. Remember—if you’re a veteran, you can use a VA loan more than once. We’ve even worked with some buyers who have two VA loans at the same time.

This isn’t about steak—it’s all about the sizzle. Of course, the maps for eligible rural areas change all the time. Check to see if your property or region is eligible for USDA loans here.

Guidelines change often and may depend on your down payment percentage. Don’t worry—we can help you sort out the details, no matter what happens.

You’ve seen the headlines, but here’s the truth: Reverse mortgages can be a good fit for some people. Talk to us, and we’ll help you find the best solution.

Your mortgage made easy.

Why St. Louis Housing Inventory Is Rising Even as Buyers Slow Down

More homes for sale does not always mean more homeowners are listing. Slower buyer activity is helping inventory build, creating a more selective St. Louis market. Read More
St. Louis Debt-to-Income: What Counts, What Does Not, and When the Ratio Stops the Loan

When determining if a house in Webster Groves is truly affordable, calculating your…
Debt-to-Income Ratio for St. Louis Homebuyers

What your debt-to-income ratio actually is Understanding your debt-to-income ratio for a mortgage…

See More on the Blog

Let’s get moving.

The door’s open, and we’re ready to help you
with a better mortgage experience.

Apply Now

or call us at 314-361-9979

Our customers say the nicest things.

We couldn’t have said it better ourselves.

Over 400 Google Reviews

    
 
 
         
   Austin Sherman 
 
 
 
  Sean and his team were great! They were very knowledgeable and made the process very easy for us. Sean was very responsive and handle all of our questions throughout the process. I highly recommend better rate Morgage when the time comes to purchase your next home!
  
 
        
   Sam Rathgeb 
 
 
 
  Sean was very helpful explaining the process!
  
 
        
   Sam Weitekamp 
 
 
 
  Knowledgeable, helpful, and prompt. Sean was a huge help to us in our home search whenever we needed him.
  
 
        
   Pablo Mustafa 
 
 
 
  Sean has been very helpful in helping finance and refinance my first home. He made an overwhelming process seem easy.
  
 
        
   Evan Rose 
 
 
 
  Very helpful and communicative
  
 
        
   Bajro Babaluk 
 
 
 
  Sean and his team were amazing! I was having issues with the bank and another situation came up, which prevented me from closing on the original date we had planned. I contacted Sean and his team, and they made it happen within two weeks!

Sean and his team went above and beyond to help me get my dream home. I highly recommend Sean and his team!
  
 
        
   Maureen Mercier 
 
 
 
  Sean and his team were amazing! As first time homebuyers, my husband and I could not believe how easy and smooth the process was with our lender. Easy to upload documents in their portal, response times were quick and Sean met with us numerous times to make sure we understood the process/numbers. We highly recommend working with Sean’s and his team at Better Rate Mortgage. 10/10!
  
 
        
   Laura Hughes 
 
 
 
  What a seamless experience! Sean was extremely responsive, helpful and knowledgeable. We cannot recommend him enough.
  
 
        
   David Lodewyck 
 
 
 
  After some miscommunication on my part, Sean was able to move up our closing date a few days on very short notice. He was also able to lock in our rate just before Iran war caused rates to spike. Bottom line - great service, no junk fees.
  
 
        
   M Lodewyck 
 
 
 
  Sean was knowledgeable, responsive, and patient when helping us secure our mortgage. I could not recommend him more highly.