Your Local Mortgage Lender
Located in Girardeau, Missouri
Personalized Mortgage Experience
Buying a home should feel exciting… not overwhelming.
At The Dave Weston Group, we guide you through every step so you feel confident, informed, and completely at home in the process.
But this is about more than just getting a loan…
It’s about helping you build, protect, and transfer wealth through real estate.
From your first home to your next investment, we’re here to help you make smart decisions that serve you now… and long-term.
Simple. Clear. Done right.
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Girardeau, Missouri.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
A 2000 Dollar Emergency Is Not the Problem and Here Is What Actually Hurts More When It Hits
A 2000 Dollar Emergency Is Not the Problem and Here Is What Actually Hurts More When It Hits
The Financial Reality That Catches Most Homeowners Off Guard
The transmission goes out. The furnace quits. The refrigerator decides Tuesday is a fantastic day to retire. The bill arrives and it is two thousand dollars. That hurts.
But here is what hurts more. Putting that two thousand dollars on a credit card and paying for it across months or years at interest rates that can exceed twenty percent. The emergency is over in a day. The financial consequence of not having the money ready can follow you for a long time.
Dave Weston at the Dave Weston Group calls this bucket number two in the Cash and Liability Management framework and it is the piece that most financial conversations about homeownership skip entirely.
What Bucket Two Actually Is
After mastering your thirty-day money, which is the baseline of what it costs to operate your life each month, the next move is building roughly three months of expenses in a reserve you can reach into when life happens. Not invested. Not tied up. Accessible.
Three months of expenses is not an arbitrary number. It is the difference between an unexpected bill being an inconvenience and an unexpected bill being a financial crisis. It is the difference between panic and the quiet confidence of knowing you have got it covered.
That shift from panic to options is what an emergency fund actually produces. Not just a savings account. Real financial flexibility when the timing is always wrong and the bill is always inconvenient.
Why This Matters So Much for Homeowners
Renting creates one category of unexpected costs. Owning a home creates several more. The furnace that quits in January. The roof that develops a leak. The appliance that fails the week after the warranty expires. These are not rare events. They are the normal reality of homeownership and the buyers who arrive at closing without an emergency reserve in place discover that very quickly.
Building the emergency fund as part of the financial plan that surrounds the home purchase rather than as an afterthought is how the home becomes a stable foundation rather than a source of ongoing financial stress. Buying to the maximum approval without maintaining reserves is the formula for house poor. Buying with a reserve in place and a budget that breathes is the formula for homeownership that actually improves financial life rather than complicating it.
What the Dave Weston Group Does Differently
At the Dave Weston Group the goal is to help families build a financial plan around the house rather than simply qualify for it. The mortgage is the starting point. The emergency fund, the thirty-day budget, the protection planning, and the long-term wealth strategy are the context that makes the mortgage a tool rather than a burden.
That is what building, protecting, and transferring wealth through real estate actually looks like in practice.
If you are buying a home or already own one and want to talk about building your financial plan around the house reach out to Dave Weston at the Dave Weston Group at 573-587-3380.
Sources
NationalFoundationForCreditCounseling.org
ConsumerFinancialProtectionBureau.gov
Investopedia.com
MortgageNewsDaily.com
FannieMae.com
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