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
The Money Story You Heard Growing Up May Still Be Making Your Financial Decisions Today
The Money Story You Heard Growing Up May Still Be Making Your Financial Decisions Today
The Words About Money You Heard as a Child and What They Are Still Doing to You Now
What did you hear about money growing up?
Maybe it was money does not grow on trees. Maybe it was we are not rich people. Maybe it was debt is always bad. Whatever the specific words were they landed in your head at an age when you had no framework to evaluate them and no ability to question whether they were true.
And here is the thing. Those words may still be making financial decisions for you today.
Where Your Money Story Came From
Your family gave you your first money story. Not intentionally in most cases. Not because they wanted to limit your financial thinking or hold you back from building wealth. They gave you the story they had which was shaped by the story their family gave them which was shaped by the experiences and circumstances that defined their relationship with money.
Those inherited beliefs become the lens through which every financial decision is filtered. Why homeownership feels scary even when the numbers suggest it is the right move. Why saving feels hard even when the income is there to support it. Why debt feels dangerous even when strategic use of debt is what builds the assets that produce long-term wealth.
The Good News About Your Money Story
As Dave Weston at the Dave Weston Group with Hallmark Home Mortgage explains your family only wrote the first chapter. You get to write the rest of the book.
If you have ever wondered why buying a home feels overwhelming or why building savings feels like running uphill the answer may not be that you are bad with money. It may simply be the story you have been telling yourself for decades without ever examining where it came from or deciding whether it still serves you.
Identifying that story is the first step. Questioning it is the second. Writing a different chapter is the third and it starts with one conversation and one new habit at a time.
Money Management Wednesday
Dave Weston hosts Money Management Wednesday every week dedicated to building smarter money habits through honest and practical conversations about how we think about money and how to think about it better.
Follow along every Wednesday and reach out to Dave Weston with the Dave Weston Group at Hallmark Home Mortgage whenever you are ready to start writing a new chapter in your money story.
Sources
ConsumerFinancialProtectionBureau.gov
MortgageNewsDaily.com
Investopedia.com
NationalFoundationForCreditCounseling.org
BankRate.com
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