Skip to main content

Buy a Home

It’s time for a
better mortgage
experience.

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.

1

Lower rates.

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

1

Fewer fees.

Apply now with no upfront appraisal or credit report fees.

1

Stronger offers.

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

1

Friendlier service.

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

1

Faster closing.

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

1

Fewer hassles.

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

Where are you in the homebuying process?

Computer with rate

Researching

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

House with magnifying glass

House Hunting

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

Hand holding house

Ready to Buy

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

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.

Person on laptop writing on paper

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.

Let’s get moving.

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

or call us at 314-361-9979

Couple writing on paper

Our customers say the nicest things.

We couldn’t have said it better ourselves.

4.9

319 Google Reviews

Kate Loudermilk
Kate Loudermilk
2024-03-06
Amazing experience, so helpful & attentive. Highly recommend!
David Hartstein
David Hartstein
2024-03-06
Sean and the team were truly the best. As a small business owner, our loan application was more complicated than most. Sean and his whole team were incredibly patient and thorough, taking the time to answer all of our questions every step of the way. Plus their rates were the best we found. We'll absolutely be reaching out the next time we need help with a mortgage.
Giulia Kaufman
Giulia Kaufman
2024-03-05
Sean and his team were great! Always available and easy to work with. They always answered all of our questions. We ran into one issue which they resolved smoothly. We were able to close on our house in 3 weeks. We would definitely use Sean and his team again and recommend them to anyone looking for a mortgage broker.
Nadine Risman
Nadine Risman
2024-02-26
Sean and his assistant Megan did a great job at handling my mortgage when I was buying a property in St. Louis. I usually had responses to questions in less than 24 hours and did all of my interactions via email and electronic documents up until closing which was super helpful as I didn't have to take time off work. I would highly recommend them.
Monica WALKER
Monica WALKER
2024-02-26
Great experience working with Sean from Better Rate Mortgage. He offered me excellent customer service and was a step ahead to address what I needed. I will continue to work with Better Rate Mortgage in the future and recommend him to anyone looking for financing.
Jessica H.
Jessica H.
2024-02-26
Sean and Megan were great to work with!! Answered all questions even after hours.
james bond cruz
james bond cruz
2024-02-24
I couldn’t be happier with my experience with Sean Zalmanoff, Better rate mortgage & whole Team. They made the entire process smooth and stress-free. Their team was knowledgeable, attentive, and went above and beyond to help me secure the best deal. Highly recommend them to anyone looking for a mortgage! Thank you so much😊❤️
Keith Vessell
Keith Vessell
2024-02-24
Sean looked after us when we were moving across state. And still cares about our rates after we closed. He is to be trusted.
Molly Moore
Molly Moore
2024-02-24
Sean and his team were amazing from the very get-go of our house buying experience. They worked with our unique set of circumstances, got us organized and completely set up so we could confidently go into house hunting knowing exactly what we could afford. Come closing time, Sean walked us through every detail to be sure we felt good about everything we were signing. Sean and his team are too notch!!!
Melissa
Melissa
2024-02-24
Sean and Megan were awesome to work with! I highly recommend Better Rate Mortgage as they know the business and can help you. Our home purchase was so easy and no stress at all. I can’t thank them enough!!!

Get Started Today

Whether you’re purchasing your first home or taking cash out to make your dream home even dreamier, the door is open. Welcome to Better Rate Mortgage.

Apply Now
Couple laughing and holding keys to new home