STL HOME LENDERS BLOG

Expert mortgage guides, rate insights, and home-buying tips for St. Louis, Missouri.

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GUIDE

First Time Home Buyer Programs in St. Louis: 2026 Grants, Loans & Down Payment Help

By STL Home Lenders Staff Updated April 2026 12 min read

Discover every grant, loan program, and down payment assistance option available to first-time home buyers in St. Louis. From MHDC programs to city-specific grants, learn how to buy your first home with as little as $0 down.

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LOANS

FHA Loan Requirements in Missouri: Credit Scores, Limits & How to Qualify (2026)

By STL Home Lenders Staff Updated April 2026 11 min read

Everything you need to know about FHA loans in Missouri — minimum credit scores, loan limits for St. Louis, DTI ratios, and mortgage insurance costs. Find out if you qualify and how to apply.

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PROGRAMS

St. Louis Down Payment Assistance Programs You Might Not Know About (2026)

By STL Home Lenders Staff Updated April 2026 10 min read

Most St. Louis buyers don't realize they qualify for thousands in down payment assistance. We break down MHDC Next Step, St. Louis County HOME funds, employer-assisted programs, and how to stack them with FHA loans.

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VETERANS

VA Loan Process in Missouri: A Step-by-Step Guide for St. Louis Veterans (2026)

By STL Home Lenders Staff Updated April 2026 13 min read

A complete guide for St. Louis veterans and active-duty military on using your VA loan benefit. Zero down payment, no PMI, and competitive rates — from COE to closing day.

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REFINANCE

Is Now a Good Time to Refinance in St. Louis? What Local Homeowners Should Know (2026)

By STL Home Lenders Staff Updated April 2026 11 min read

Rate trends, break-even analysis, and cash-out refinance strategies for St. Louis homeowners. Learn when refinancing makes sense and how much you could save on your monthly payment.

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GUIDE

Top Mortgage Lenders in St. Louis, MO (2026) — Rates, Reviews & How to Choose

By STL Home Lenders Staff Updated April 2026 11 min read

Comparing mortgage lenders in St. Louis can be overwhelming. Our comprehensive guide breaks down the top lenders in the area, their rates, customer reviews, and what sets them apart.

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