Mitch Richards - Preferred Rate in O'Fallon

Opening hours

Monday: 07:00 - 22:00
Tuesday: 07:00 - 22:00
Wednesday: 07:00 - 22:00
Thursday: 07:00 - 22:00
Friday: 07:00 - 22:00
Saturday: 07:00 - 22:00
Sunday: 07:00 - 22:00

M-Su 7am-10pm

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Mitch Richards - Preferred Rate Service provider

3018 Winghaven Blvd.
63368 O'Fallon

5737772306
https://preferredrate.com
mitch.richards@preferredrate.com

Don’t let something silly get in the way of closing on your dream home. Even if you can afford it, avoid making large purchases that could impact your credit. This can make or break a mortgage approval.

Are you considering buying a home?

Preferred Rate has you covered. Reach out today to discuss down payment assistance options available to you.

#preferredrate #homeownership #homesweethome #mortgage #mortgageadvisor #creatingexperiencesthatmatter

Your dream home is waiting...

Are you a Veteran or Active Duty? We may be able to help you get into the home of your dreams. Reach out today for more information!

Are you a Veteran or Active Duty? We may be able to help you get into the home of your dreams. Reach out today for more information!

Did you know that you do not have to put 20 percent down on a house?

In fact, the average down payment for first-time buyers is just 6 percent. And there are loan programs that let you put as little as zero down. However, a smaller down payment means a more expensive mortgage long-term but if you want to get into a house sooner rather than later, that might be a sacrifice you want to make!

Thinking of buying? Reach out to me today to learn more about your down payment options!

Equity reveals the portion of the property value that you can rightfully claim as your own. If you are planning to sell your home, the higher the equity amount, the more cash you will get out of the sale. For most, the equity built up in a home is the largest financial asset and an incredible way to build wealth. How fast or slow home equity grows depends on property values and how much principal you pay down on your mortgage.

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Buying a home is a big deal. Whether you’re a first-time homebuyer or shopping for your next home that finally has enough bathrooms, stepping inside a home you call your own is everything good. Deciding to shop for a new home can feel exciting in the beginning.

But once you’re ready to take action, things can get stressful very quickly.

We’re here to help change that. Reach out to me today to learn how we may be able to make your dream of homeownership a reality!

Understanding your financial health is key in the mortgage game. The Debt-to-Income Ratio, or DTI, is a crucial metric lenders use to assess your ability to manage monthly payments. Keep it low for a smoother path to homeownership. #MortgageVocabulary #FinancialFitness

Unlocking the mystery of mortgages! APR, or Annual Percentage Rate, is your total cost of borrowing, including interest and fees. Knowing your APR helps you make informed decisions on your home financing journey. #Mortgage101 #FinancialLiteracy

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Bild von Mitch Richards - Preferred Rate

Our homes are more than just structures; they are the canvases on which our stories are painted. Each room holds memories, laughter, and moments that shape who we are. What does your home say about you? #HomeSweetHome #TellYourStory #MemoriesMadeHere #HouseToHome

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What makes your home special and the place YOU love to live? #grateful #countingblessings #homeiswheretheheartis

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You care for others every day, so when it comes to your home financing needs—let us take care of you!
Whether you are considering a home purchase or refinance, we’ve created a specialized mortgage program with flexible terms for medical professionals!

ou care for others every day, so when it comes to your home financing needs—let us take care of you!

Whether you are considering a home purchase or refinance, we’ve created a specialized mortgage program with flexible terms for medical professionals! Reach out today to learn more.

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Having a list of mortgage questions to ask your mortgage advisor is just the start. Knowing the answers you’re looking for puts you ahead of the game. These mortgage questions will help you find the best home loan from the right lender.

- What type of mortgage is best for me?
- How much downpayment will I need?
- Do I qualify for any down payment assistance programs?
- What is the annual percentage rate?
- Are you doing a hard credit check on me today?

Ready to chat? Reach out today!

Ditching debt like a boss! Try these savvy strategies to make your financial goals a reality, one smart payment at a time.

Interested in a mobile home built between 1976? We can help!

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Trying to sell your home but buyers are worried about rates? We have a hack for you! Offering a buydown as a concession can help get your home sold - ask me how!

This is a great option for anyone wanting to sell or refinance within 7 years! Our Jumbo Adjustable-rate Mortgages (ARM) up to $2 million in financing and lower interest rates than conventional mortgages for the first 5 or 7 years, then the rate will adjust every 6 months. Call today to see if this could be right for you.

Have you gotten a second opinion yet on your loan offer? Call today for your complimentary second opinion!

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Experian, Trans Union, Equifax take required information when a lender pulls credit and sells it for leads. So once your credit is pulled by a lender, others can purchase your information. We suggest opting out before applying for a mortgage, to avoid annoying calls or mail.

When the market is moving it can feel like you’re out of luck. Our interest rate hack can help get you into your dream home today!

We have great programs for first-time homebuyers or anyone needing low-down payment options. Call today to learn more about your options.

Words to live by!

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

Bild von Mitch Richards - Preferred Rate

We are ready to answer any questions and help you through the home financing process, whether it is over the phone, via email, or in person. We are available when you need us and we can even come to you. Reach out to get started.

Description

Preferred Rate is the trusted, local APM division that caters to the specific needs of your community. Preferred Rate's mission is to create experiences that matter while serving your home financing needs. Whether you are buying your first home, a new investment property or building your dream home. Preferred Rate will empower you with confidence, knowledge and solid expertise from loan application through closing.

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