A Mortgage Lender with nearly two decades of helping 1000s of home owners and home buyers gain the best mortgage. Knowledge, Service, and Experience all in one!
Get to know Bob Rutledge
USA Mortgage The Number 1 Lender
St. Louis, St. Charles and The State of Missouri
We are the top mortgage lender in Missouri, every month we rank as the top lender in the St. Louis Mo area. USA Mortgage is the largest privately held mortgage lender in the area which provides us a ton of flexibility in getting your mortgage done. We fund and approve more loans in St. Louis City, St. Charles County, St. Louis County and, Jefferson County than any other lender in the area. More Conventional, more FHA, more USDA, more FHA 203k in the area.
What does this mean for you? We may not be a national giant but we are big enough to get things done that others can't. We are a local lender working to earn your mortgage through personal service and distinction one borrower at a time.
Sure we do all the loan programs, FHA, Conventional, Jumbo, VA, and USDA, we even have a few really unusual loan programs. But what we really do well are FHA 203k Renovation loans, First Time Home Buyer loans, USDA 100% No Down Payment Home Loans, VA, and Jumbo ARMs!
My Offices are in St. Charles, Jefferson and St. Louis County and St. Louis City but I serve the entire State of Missouri. If you have any mortgage needs or questions do not hesitate to contact me at any time.
Bob Rutledge's Blog Posts
FHA 203k Renovation Mortgages
I am a FHA 203k CERTIFIED SPECIALIST, I have undertaken a rigorous course of education and testing to become a FHA 203k certified specialist.
Why should you care? If you are considering purchasing a new home that needs a little work or a lot of work. Then a FHA 203k renovation loan is the solution. These loans in the hands of an experience loan officer can be a seamless process with barely a noticeable difference than a normal mortgage. BUT in the hands of someone who is inexperienced you may end up with a nightmare that you never recover from.
My offices are in St. Charles and St. Louis but am I serving the entire State of Missouri. I close FHA 203k Loans in St. Charles and St. Louis every month. Are you in Springfield, Columbia, Kansas City, Cape Girardeau or near the Lake, I have help many home buyers all over Missouri.
CLICK HERE Learn More About the FHA 203k Renovation Mortgage
FIRST TIME HOME BUYER?
I have been a Mortgage Professional for nearly 2 decades and what I still love to do most is help first time home buyers get their first new home. I am especially attuned to the needs/wants/desires of most first time home buyers in the St Charles and St. Louis area. I constantly stay up on all the First Time Home Buyer down payment assistance programs, do you need some extra funds to buy your first new home, I can help.
My duty as a mortgage loan officer working with first time home buyers is to get you the best mortgage with the lowest possible monthly payment and the lowest possible costs. If at all possible I want you to keep all your money in your pocket. That is why USA Mortgage and myself are one of the few lenders that participate in the State of Missouri First Time Home Buyer mortgage program, Beyond Housing, Better Family Life, and NECAC.
CLICK THE LINK ABOVE TO LEARN IF YOU QUALIFY FOR FIRST TIME HOME BUYER DOWN PAYMENT HELP
LOOKING FOR A USDA LENDER?
CONTACT ME AND I CAN SHOW YOU HOW TO BUY YOUR NEXT NEW HOME WITH ZERO DOWN PAYMENT AND YOUR CLOSING COSTS PAID FOR YOU! USDA HOME LOANS ARE THE BEST MORTGAGE FOR ANY FIRST TIME HOME BUYER. LOW INTEREST RATES, NO MORTGAGE INSURANCE AND LITTLE TO ZERO OUT OF POCKET EXPENSES!
LESS THAN PERFECT CREDIT?
I may be able to help you with financing your next new home even if you have less than perfect credit. If your credit scores are above 580 you may qualify for a FHA mortgage with a very low down payment.
LOW CREDIT SCORE MORTGAGES follow this link to learn more!