Business Details
Your Trusted Mortgage Partner in Missouri and Texas
Saint Charles Mortgage was founded on the principle that mortgage services should be personalized and client-focused. With over 18 years of industry experience, our team prioritizes understanding each client's unique financial situation to deliver tailored solutions. We leverage access to multiple lender-only programs to secure competitive rates and minimize closing costs for purchases, refinancing, and debt consolidation. Our small-company approach ensures direct communication with experienced professionals, eliminating automated systems and overhead costs. Licensed in Missouri and Texas, we serve clients statewide with a commitment to integrity and community trust. Our team's collective expertise, including decades of combined experience and recognition in Top Agent Magazine, positions us to navigate complex loan programs effectively.We specialize in FHA, VA, conventional, and jumbo loans, alongside state-specific housing programs that provide down payment assistance and tax credits. Client satisfaction remains our priority, demonstrated through flexible availability, transparent communication, and a focus on long-term relationships rather than transactional interactions. Our licensing (NMLS #1207949) and BBB accreditation underscore our dedication to regulatory compliance and ethical standards. By maintaining low overhead and direct client engagement, we pass cost savings to our customers while upholding service excellence.
Services
Refinancing
Adjustable-Rate Mortgage
Conventional Loans
FHA Loans
Fixed-Rate Mortgage
Jumbo Loans
VA Loans
USDA Loans
State Housing Programs
Mortgage Calculators
Highlights and features
- We offer 18+ years of mortgage industry experience with personalized service.
- Our team secures competitive rates through exclusive lender programs.
- We specialize in loans for credit scores as low as 590.
- Our BBB accreditation demonstrates commitment to ethical standards.
- Direct communication with experienced loan officers, no automated systems.
Associations and certifications
- Better Business Bureau
- Top Agent Magazine
Services
Fixed-Rate Mortgage
Fixed-rate mortgages provide stable monthly payments with interest rates that remain constant throughout the loan term. This option suits borrowers seeking predictable housing costs over 10-, 15-, or 30-year periods. Our competitive rates and flexible terms help clients build equity while avoiding payment fluctuations.
FHA Loans
FHA loans enable low-down-payment mortgages with flexible credit requirements. We guide clients through 3.5% down payments and mortgage insurance premium options. These loans benefit first-time buyers and those with credit challenges seeking affordable homeownership opportunities.
VA Loans
VA loans offer zero-down-payment options for qualified veterans and active-duty personnel. Our specialists navigate VA guidelines to secure favorable terms without mortgage insurance. We help military families access guaranteed loan programs with competitive interest rates.
Refinancing
Our refinancing services reduce monthly payments through rate-and-term adjustments or cash-out options. We analyze market conditions to determine optimal refinancing timing. Clients benefit from streamlined processes and potential savings on existing mortgage obligations.
State Housing Programs
We connect clients with state-specific down payment assistance and tax credit initiatives. Programs like Missouri's 25% mortgage interest tax credit and Texas' 40% MCC benefit first-time buyers. Our expertise maximizes available financial support for qualifying applicants.
People
Charles Ellis
Owner and Loan Officer
With 18+ years in mortgage lending, Charles founded Saint Charles Mortgage to prioritize personal client relationships. His leadership focuses on ethical practices and innovative loan solutions for Missouri and Texas residents.
Michael Richardson
Manager-RMLO
Michael brings 13 years of mortgage lending experience and 25+ years in sales. He specializes in securing low-rate loans while minimizing third-party fees for clients across Missouri and Texas.
Drew Dothage
Manager-RMLO
Drew offers seven years of mortgage service experience, leveraging his University of Missouri-St. Louis finance degree to deliver tailored solutions. He focuses on transparent communication and client education.
Questions
What mortgage options do you offer?
We provide FHA, VA, conventional, jumbo, USDA, and fixed/adjustable-rate mortgages. Our specialists also help clients access state housing programs with down payment assistance.
Can I qualify with bad credit?
Yes. Our loan products accommodate credit scores as low as 590. We work with clients to improve creditworthiness and explore options like rapid rescoring for faster improvements.
Are you BBB accredited?
Yes, we maintain Better Business Bureau accreditation as part of our commitment to ethical lending practices and customer satisfaction.
Do you offer 24/7 support?
While not 24/7, we provide flexible availability including weekends and extended daily hours for client convenience.
How long have you been in business?
Our owner has 18+ years of mortgage experience. The company was established in 2018, building on decades of combined team expertise.
