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Valles Mines, MO

The Best Mortgage Lenders in Valles Mines, MO

Compare verified mortgage lenders serving Valles Mines, Missouri. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.9
Avg Rating
865+
Reviews
9
Loan Types

Available Loan Programs in Valles Mines

Conventional
FHA
VA
USDA
Jumbo
Refinance
First-time Homebuyer
Home Equity
Construction

Featured Mortgage Lenders

1

Mark Kuehner

The Federal Savings Bank

★★★★☆
4.9/5

The Federal Savings Bank stands out as a top-rated mortgage lender serving the Valles Mines area with exceptional customer satisfaction ratings. With Mark Kuehner's 15 years of experience and the bank's nationwide presence, they offer specialized expertise in rural and suburban Missouri properties. Their high 4.9 rating across hundreds of reviews reflects consistent excellence in competitive rates, personalized service, and efficient loan processing. They're particularly strong with VA and USDA loans, which are relevant for the Valles Mines area, and offer both purchase and refinance options with local underwriting support.

Experience:15 years
Reviews:382 customer reviews
15405 Manchester Road, Suite 38, Ballwin, MO 63011

Loan Types:

ConventionalFHAVAUSDAJumboRefinance
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2

Chris Siebert

USA Mortgage - Dielmann Siebert Group

★★★★☆
4.9/5

USA Mortgage's Dielmann Siebert Group, led by Chris Siebert, maintains an outstanding 4.9 rating with nearly 300 reviews, demonstrating exceptional service to the greater St. Louis region including Valles Mines. With 18 years of experience and deep knowledge of Missouri's rural and suburban markets, they excel at navigating unique property types common in the area. Their specialization in first-time homebuyer programs and government-backed loans makes them particularly valuable for Valles Mines residents. The company's local roots and commitment to community lending ensure personalized attention throughout the mortgage process.

Experience:18 years
Reviews:296 customer reviews
12400 Olive Boulevard, Suite 155, St. Louis, MO 63141

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinance
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3

First Community Credit Union Mortgage Department

First Community Credit Union

★★★★☆
4.8/5

First Community Credit Union brings exceptional stability and community focus to Valles Mines mortgage lending with 85 years of service to Missouri residents. Their 4.8 rating reflects consistently excellent customer experiences and competitive member-only rates. As a not-for-profit financial cooperative, they prioritize member satisfaction over profits, resulting in lower fees and more flexible underwriting. Their expertise with rural properties and construction loans is particularly valuable for the Valles Mines area. With multiple branches throughout the region and robust digital services, they combine local knowledge with modern convenience.

Experience:85 years
Reviews:187 customer reviews
727 North New Ballas Road, St. Louis, MO 63141

Loan Types:

ConventionalFHAVAUSDAHome EquityRefinanceConstruction
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Frequently Asked Questions

Common questions about mortgage lending in Valles Mines, MO

What are the typical mortgage rates available in Valles Mines, MO?

Mortgage rates in Valles Mines are generally competitive with national averages, but can vary based on property type and location. For rural properties common in this area, some lenders may offer slightly different rates. It's best to compare offers from both local Missouri lenders and national institutions to find the best rate for your situation.

Are there special loan programs for purchasing rural properties in Valles Mines?

Yes, USDA loans are particularly relevant for Valles Mines as much of the area qualifies for USDA rural development loans, which offer 100% financing with no down payment. Additionally, Missouri's First Place Home Loan Program provides competitive rates and down payment assistance for eligible buyers in designated areas, which may include parts of Valles Mines.

How does the rural nature of Vales Mines affect the mortgage approval process?

The rural setting can impact appraisals, as comparable properties may be farther apart, potentially requiring specialized appraisers familiar with rural Missouri properties. Lenders may also have specific requirements for properties with wells and septic systems, which are common in this area, so be prepared for additional inspections and documentation.

What local down payment assistance programs are available for Valles Mines homebuyers?

Missouri Housing Development Commission (MHDC) offers several down payment assistance programs statewide, including the First Place Home Loan Program and Next Step Program. These programs provide forgivable second mortgages for down payment and closing costs, which can be particularly helpful given the limited local government programs in small communities like Valles Mines.

Are there any property-specific considerations for mortgages in Valles Mines I should know about?

Given Valles Mines' mining history and rural character, lenders may require additional inspections for properties with potential environmental concerns or unique land features. Properties with acreage or outbuildings may also require specialized appraisals. It's wise to work with a lender experienced with rural Missouri properties to navigate these potential complications.

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Why Choose a Mortgage Lender in Valles Mines?

Local Market Knowledge

Lenders who understand Valles Mines's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Missouri.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Valles Mines and get competitive rates on your home loan.