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
You Are Not Really Saving Money and Here Is What You Are Actually Building When You Save
The Reframe That Changes How You Think About Every Financial Decision
What if the goal was never really the money? Dave Weston at the Dave Weston Group wants to offer a perspective shift on what saving and investing are actually for because most people are aiming at a number when they should be aiming at something else entirely.
What Money Actually Represents
You work hard. You save some. You invest some. But when you trace the purpose of that activity back to its real source it is not the dollars themselves that matter. It is what the dollars make possible.
The ability to handle a two thousand dollar surprise without derailing everything else. The ability to say yes when the kids ask about Disney without running a complicated mental calculation about whether the family can afford it. The ability to reach the point where the question is whether you want to work rather than whether you have to.
That last one is the one Dave returns to consistently because it captures something important about what financial freedom actually feels like from the inside. It is not a number in an account. It is a relationship with time and obligation that changes when the foundation underneath you is solid enough.
The Process Behind the Philosophy
Earn money. Keep some. Protect it. Put it to work. That sequence sounds simple and it is. But most people short-circuit it somewhere in the middle. They earn and they spend. Or they earn and they save but they do not protect what they have built. Or they protect it but never deploy it in ways that compound over time.
The Dave Weston Group's framework of building, protecting, and transferring wealth is built around all three stages rather than optimizing for one at the expense of the others. Building without protecting leaves everything vulnerable to a single bad event. Protecting without building produces safety without growth. Building and protecting without a transfer plan means the wealth dissipates rather than creating options for the people and causes that matter most.
What You Are Actually Saving For
The answer is probably not a specific dollar amount. Most people who have clearly defined financial targets discover that reaching the number does not produce the feeling they expected from it. The feeling comes from what the number enables.
Options. More choices. Less pressure. More control over what happens next. The ability to move toward things rather than away from them. The ability to take risks because the foundation is solid. The ability to be generous because the basics are covered.
That is the bigger conversation behind building, protecting, and eventually transferring wealth. And it is a conversation Dave Weston is genuinely interested in having with anyone who wants to understand what their home and their money can do when they are part of a coherent plan rather than a collection of separate financial decisions.
Reach out to Dave Weston at the Dave Weston Group at Hallmark Home Mortgage at 573-587-3380 to start that conversation.
Sources
NationalFoundationForCreditCounseling.org
ConsumerFinancialProtectionBureau.gov
Investopedia.com
MortgageNewsDaily.com
FannieMae.com
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