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
Making More Money Does Not Automatically Make Life Easier and Here Is the Choice That Changes Everything
The Thing Nobody Says Out Loud About Earning More
Making more money does not automatically make life easier. It sounds backwards. It feels backwards. But it is true and understanding why changes how you think about every raise, bonus, or income increase that comes your way.
Every time income grows life presents a choice. Buy more or build more. One of those choices feels good today. The other one changes your future.
Why More Money Does Not Always Mean More Freedom
The reason more income does not automatically produce easier finances is that spending tends to expand to meet or exceed whatever income level arrives. A raise gets absorbed by a nicer car, a bigger apartment, more frequent dining out, or the latest version of whatever the people around you seem to have. The lifestyle inflates to match the income and the financial stress that was supposed to disappear simply recalibrates at a higher number.
This pattern is not a character flaw. It is the default behavior that happens when income growth is not met with an intentional decision about what the extra money is going to do.
Money as a Mirror
As Dave Weston at the Dave Weston Group explains money is really just a mirror. It reflects the habits being practiced every day. A higher income does not change the habits. It amplifies whatever is already there. The person whose default behavior is to spend what comes in will spend more when more comes in. The person whose default is to direct income toward building something will build faster when more income arrives.
That is why the question worth asking when income grows is not what can I afford now but what do I want this to do for my future.
The Choice Between Feeling Good Today and Changing Your Future
Success is not about keeping up with everyone else. The comparison game has no finish line and the people you are comparing yourself to are often playing the same game against people you never see. What looks like financial success from the outside is frequently a lifestyle funded by debt and maintained by income that has never been directed toward building anything lasting.
The alternative is building a life you do not need to escape from. A financial foundation that produces options rather than obligations. Assets that work on your behalf rather than liabilities that require your income to sustain them.
Real estate is one of the most consistent tools available for that kind of wealth building. It produces equity through appreciation and principal paydown. It generates income when structured as investment property. And it provides a tangible asset that builds in value over time rather than depreciating the moment you acquire it.
The Question Worth Sitting With
If you got a raise tomorrow what would you do first?
That answer tells you more about your financial future than your income level does. Dave Weston with the Dave Weston Group is here to help you build, protect, and transfer real estate wealth. Reach out anytime to start the conversation about how real estate fits into the financial future you are building.
Sources
Investopedia.com
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
NationalFoundationForCreditCounseling.org
Forbes.com
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