St. Louis Metro Realtors

We don't just sell houses, we continue to build  long-lasting relationships, 22years and counting!

Mortgage Lending Guide

Loan Process

1. Loan application

2. Processing

3. Underwriting

                                     4. Closing

Loan Types

Conventional, Jumbo, FHA, VA


Debt to Income (DTI)

The term DTI means what percentage of your income is allowed for proposed housing and other monthly debts of your gross income. Most loans will not let you exceed 43% of total debt of your total gross income.                                        You may exceed this under certain programs.