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 Most Important Bill You Pay Every Month Does Not Come in the Mail and Here Is What It Is
The Shift in Thinking That Changes Everything About How Money Gets Managed
The mortgage gets paid. The car payment gets paid. The phone bill, the streaming subscriptions, the utilities. All of it goes out automatically or gets handled without much thought. And then at the end of the month whatever is left becomes the answer to the question of how much can I save.
Dave Weston at the Dave Weston Group has a different question. What if we reversed that?
Pay Your Future First
The conventional approach treats savings as the last item on the list. Everything else gets its allocation first and savings gets whatever survives that process. The problem with that approach is that the leftover rarely shows up. Life fills the available space. Expenses expand to meet available funds. The savings conversation gets postponed again.
What changes when you flip the sequence is the habit itself. Decide what your future gets first. Not whatever is left over. A defined amount that goes to savings, to investing, to the financial foundation being built deliberately rather than accidentally. Then construct the spending plan around what remains after that commitment is honored.
Even starting small changes the habit because the habit is the point. Twenty-five dollars a month directed intentionally toward a future goal is not life-changing math. But it is a different relationship with money than the one where saving is always what happens if the month goes unusually well.
The Question That Eventually Replaces Can I Afford This
Over time the conversation shifts. The early question is can I afford this. The more interesting question that emerges from building savings intentionally over time is something different. Is this helping me build the freedom I actually want?
That is a more powerful filter. Freedom in the financial sense is the ability to choose. To work because you want to rather than because you have to. To take opportunities without having to first calculate whether they are survivable. To have options when life presents moments that require them.
The mortgage payment is one part of building that freedom through real estate. The savings habit is another. The spending choices that happen between those two are where the freedom either gets built or consumed.
Dave Weston and the Dave Weston Group at Hallmark Home Mortgage help families build, protect, and transfer wealth through real estate. Reach out at 573-587-3380 to have the conversation about where your home fits in the financial picture you are trying to build.
Sources
NationalFoundationForCreditCounseling.org
ConsumerFinancialProtectionBureau.gov
Investopedia.com
MortgageNewsDaily.com
FannieMae.com
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