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
Your Bank Account Needs Shock Absorbers and Here Is How to Build Them Before You Buy a Home
The Financial Protection Most Buyers Never Think to Build
Your car has shock absorbers. Hit a pothole without them and you feel every inch of it. Your bank account works the same way. The job change that arrives without warning. The car repair that shows up on a Tuesday. The furnace that decides the middle of January is the perfect time to quit.
These are not rare catastrophes. They are ordinary life events and the only question is whether you absorb them smoothly or feel every jarring dollar of them.
What the Second Bucket Actually Is
In the Cash and Liability Management framework Dave Weston uses with every client at the Dave Weston Group bucket two is your ninety-day money. Not your investing money. Not your down payment. Your shock absorbers.
The math is simple by design. Figure out what it costs to be you for one month. Everything. Housing, food, utilities, transportation, insurance, childcare, subscriptions, the works. Then multiply that number by three. That is your target for the second bucket.
Three months of expenses sitting available and liquid means that when life punches you in the face financially you do not have to reach for a credit card, drain an investment account, or panic about making the mortgage payment. You have already prepared for the pothole before you hit it.
Why This Conversation Belongs Before Closing
Dave Weston would rather talk about this before a buyer closes on a home than get the call after the furnace introduces itself in month two of homeownership. The purchase is the beginning of a financial relationship with a property. The appliances do not know what closing cost. The roof does not care about your budget. The day after you get the keys real homeownership begins and it includes everything that can and eventually will need attention.
Buyers who arrive at closing having put every available dollar into the down payment and have almost nothing left are technically homeowners. They are also financially fragile homeowners and the first significant expense can turn the dream into a source of ongoing stress.
The goal is not to avoid every financial pothole. The goal is to be prepared when you hit one.
Building the Plan Before the Purchase
At the Dave Weston Group the conversation about bucket two happens before anyone starts shopping for a home. The reserve target gets built into the overall financial plan alongside the down payment, the closing costs, and the monthly payment that fits the life the buyer wants to live after closing.
That is how the Dave Weston Group helps families build, protect, and transfer wealth through real estate. The mortgage is a tool. The plan is what makes it work. Let's build that plan together. Call the Dave Weston Group at 573-587-3380.
Sources
NationalFoundationForCreditCounseling.org
ConsumerFinancialProtectionBureau.gov
Investopedia.com
MortgageNewsDaily.com
FannieMae.com
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