David True Mortgage Consultant in St. Louis

See how the new administration is already impacting rates and housing in this week's #MIAM.

I always appreciate my client's taking the time to complete a review. They are not for me to boast about, but instead it gives other prospective borrowers insight into who they are considering working with to obtain a mortgage. #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebuyers #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome

I have invested into this great resource that gives current homeowners looking to refinance, homeowners looking to purchase more real estate and first time homebuyers the tools and information they need to make smart financial decisions around real estate. If you or someone you know could benefit from this valuable resource, please contact me today! #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #...ConcierageService #FirstTimeHomebuyers #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome See more

Simple and easy advice.... I take the proactive approach to educate my prospective clients. I try not to have them shop me because I give them the knowledge and insight to find everything I discuss online. Its all there. Just have to know where to find the information... #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebuyers #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome

I ask for documentation up front to ensure the pre-approval that I complete is worth more than the paper it is on. I also have the ability to give a lender letter that will accompany the pre-approval letter to help make the buyer look stronger than other potential buyers. Since there are still more buyers than inventory, this can help someone to obtain an accepted offer over others. Check out my video today! ... https://youtu.be/0zHDJD4tV-c #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebuyers #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome

Markets in a Minute! Great information in a minute! That's all the time it takes of your day! https://surefirecontent.com/interactives/miam2/video.php#

This proprietary program First Integrity Mortgage Services offers is like no other. Are you looking to buy a home and need a loan for more than $510,400? That is considered a "jumbo" mortgage and the rates in this space are very high compared to conventional loans. Or do you want to avoid paying PMI? ... This program allows you put down as little as 5% with no PMI and still obtain a low rate to borrow! Contact me to learn more about this program! https://youtu.be/5LTfQno_kAY #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebuyers #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome

Check out my short video about the Do's and Don'ts when it comes to your credit as you start and work to obtain a mortgage. https://youtu.be/TJ8EkpbhP24 #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebuyers #RenovationLending #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome

Non-QM Lending Programs are back! What is a Non-QM Program you ask? Here are some examples of "outside the box" solutions that traditional mortgage programs do not allow for today. ***If you have had a bankruptcy, foreclosure or short sale, this program will allow you to get into another home sooner than any conventional(Fannie Mae, Freddie Mac) or government programs. (FHA, VA, USDA)*** ***If you are self-employed; in lieu of underwriting to tax returns, we can obtain bank s...tatements.*** ***Do you have an investment property in mind to purchase or refinance where in lieu of tax returns you want to utilize a rent market analysis?*** Contact me today to discuss these customized solutions. #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #firsttimehomebuyers #Mortgages #MortgageLending #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #Realtor #Homeowners #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome #FGMC #MaverickSolutions

While rates have been at historic lows, 2021 will probably usher in slightly higher rates. If you or someone you know still wants to refinance or purchase a home, this is the year to do it! Contact me today! I bring a holistic approach to my clients' financing needs as well I pride myself on concierge level service. #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebu...yers #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome https://youtu.be/5M0mK_-Za0I

Today, where our dreams involve creating a better world for all of us, may we work together to make them come true. I wish you a time of quiet reflection as we honor the legacy of Martin Luther King, Jr., today.

https://dtrue.firstintegrity.com/ Today, I want to give thanks to my team for all the hard work they do behind the scenes. While a loan officer is the "face" of the transaction and the company, they are not successful without their team! In today's mortgage world, it takes a strong team to get files completed on time and I am grateful for working with the best team in St. Louis! First Integrity Mortgage Services is simply killing it right now during these times #fims... #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebuyers #RenovationLending #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome

After a string of record-breaking low mortgage rates last year, rates are rising in 2021. Since they are moving up from their lowest point ever, they're still very low by historical standards. If you've been waiting to purchase or refinance, now may be the time to act. Use the link to see how your current rate stacks up to national averages and how much you may be able to save. Remember, rates will vary based on your specific situation, and you might even score a better rate than this. Comment below or reach out over your preferred channel if you want to discuss what may work for you.

Before a realtor will take the time to show a potential buyer any properties they will require a pre-approval. I utilize a holistic approach when it comes to my credit analysis for my clients. I not only look at the mortgage and the price of the home, but also how it affects their finances in other ways. The mortgage process rests on the pillars of the "ability to repay". That means it is the borrowers responsibility to ensure their credit, income and assets are all in perf...ect order in order to have a successful closing! Furthermore, when it comes to those with more "outside the box" incomes(i.e. self-employed, retirees utilizing their assets to live off, and business owners), I request more documentation up front to ensure that the pre-approval I am giving my client today is worth more than the paper it is written on. If you or someone you know is looking to purchase a property in the coming months, I would love an introduction to start the conversation now. It's important to start the planning process in advance should there be an issue with any of the areas which the mortgage process rests on today. https://youtu.be/0zHDJD4tV-c #FIMS #FirstIntegrityMortgageServices #CommunicationIsKey #Community #CustomizedLendingSolutions #Educate #PowerPlus #Insight #ConcierageService #FirstTimeHomebuyers #RenovationLending #DownPaymentAssistance #Mortgages #MortgageLending #HomeReady #HomePossible #FHA #VA #VALoans #USDA #RealEstate #RealEstateAgent #Homeownership #Purchase #Homebuyers #HomeLoan #FirstHome #Lending #Refinance #HomeBuying #ConventionalMortgages #Realtor #Homeowners #RenovationLoans #Approval #EducationIsKey #FinancialPlanning #Clients #Home #HowToBuyAHome

I have a propriety program that allows you to put down as little as 5% with no PMI(Mortgage insurance). As well, the second loan will have the same interest rate as the first(currently at historic lows) and that is what makes the First Integrity difference! As well, this is the perfect solution for anyone needing financing above $510,400 today. If you or anyone you know is looking for mortgage finance options, please contact me or share my post today! ... https://youtu.be/5LTfQno_kAY #FIMS #FirstIntegrityMortgageServices #communicationiskey #community #customizedlendingsolutions #PowerPlus #educate #insight #concierageservice #firsttimehomebuyers #renovationlending #downpaymentassistance #mortgages #mortgagelending #homeready #homepossible #FHA #VA #VAloans #USDA #realestate #realestateagent #homeownership #purchase #homebuyer #homeloan #firsthome #lending #refinance #homebuying #homebuyers #conventionalmortgages #realtor #homeowners #renovationloans #approval #educationiskey #financialplanning #clients #home #howtobuyahome

I appreciate my clients taking the time to give me a review because these help me to understand what they appreciate and how well my team and I did for their home purchase or refinance.

Seller Paid Closing Costs are an aspect that many future homeowners need today. Although, its very challenging to obtain those funds from a seller in a market such as today, it's important that you work with a lender and a realtor, who know the business and work together as a team to obtain the funds necessary to close. This aspect could be the difference of that buyer being able to purchase that home or not. If you or someone you know is looking to purchase a home in the ne...xt year, please contact me so we can further discuss and put together a plan. https://youtu.be/7DAOR9IMvNo #FIMS #FirstIntegrityMortgageServices #communicationiskey #community #customizedlendingsolutions #educate #fims #insight #concierageservice #firsttimehomebuyers #renovationlending #downpaymentassistance #mortgages #mortgagelending #homeready #homepossible #FHA #VA #VAloans #USDA #realestate #realestateagent #homeownership #purchase #homebuyer #homeloan #firsthome #lending #refinance #homebuying #homebuyers #conventionalmortgages #realtor #homeowners #renovationloans #approval #educationiskey #financialplanning #clients #home #howtobuyahome

Time for an industry update: Housing is doing remarkably well, leading the overall economic recovery. After the spring's plummet, housing has rebounded significantly and when charted, forms a clear V shape. Home sales and new construction were very strong this summer. Plus, recently released numbers show record-breaking gains in home values. That could mean many thousands in equity growth for homeowners. With strong markets and low rates, now's still a great time to buy, sell or refinance. If you'd like to talk about your opportunities, please reach out. I'm happy to help.