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Steve Studnicki CRS  314-616-5892
Contact me to BUY or SELL - Over 30 Years Experience
Skilled Negotiator - Over 1200 Properties sold

Sellers typically will not consider offers without a Pre-Approval Letter. So the first step in your home purchase is starting a Mortgage Application. Even if buying months from now, it's best to know your approval amount. Initially looking $20,000 over your limit will make it harder to find a home you'll be happy with. There may be credit issues you're not aware of. Your loan officer can provide suggestions to bring up your credit score. It can take 6 months or more to raise it to a level needed to obtain a mortgage.

Also consider this. I have taken buyers out to view five homes. We get to the second home and want to immediately submit an offer and cancel the other appointments. Other buyers also like the home and there are multiple offers. If your offer does not include a pre-approval, seller will be inclined to go with another offer. Sometimes seller accepts a lower offer simply because buyer had a better pre-approval letter.

If you have credit issues and need help, or simply want to build your credit score, I suggest contacting Mr John Boll at the Credit Care Company (Facebook page); Cell 314-363-9575,  Office 314-485-9940,  Fax 1-866-593-6234. 2705 Daugherty Ferry Rd, Suite 103. St Louis, MO 63122. Here is more information about the company on the owner's Linked-in page: John Boll

Even if you have a favorite bank, I suggest calling at least one of these loan officers to compare rates and fees. Avoid national lenders you've seen on TV stating you'll get the lowest rate. At least compare their rates with one local lender from below. I had a buyer working with a national website lender. This couple buying their first home took my advice to compare. My lender gave them a 1/8% lower interest rate, and get this... $1200 less fees. This was well worth making the extra phone call.  NOTE: If you know your credit score is marginal, don't call too many lenders. Each time your credit report is checked, it lowers your score by several points.

I highly recommend each one of these loan officers. Each provides the professionalism you deserve and are diligent in meeting the closing date. Inform them I'm your Realtor. Applications can be done over the phone. You may get pre-appoved with just a 30 minute phone call.


Cathy Meggs - Guaranteed Rate Affinity
4 West Dr, Suite 190  Associate Vice President

Chesterfield, MO 63017

636-536-0574 Off   314-329-8292 Cell

Website  Guaranteed Rate is our partnered lender. Robert can meet you at my office. He's there weekly.





Lynne Schlereth - USA Mortgage
12140 Woodcrest Executive Dr #150

St Louis, MO 63141

314-504-8426 Cell   314-628-2027 Off







Wes Sutterer – USA Mortgage
1795 Clarkson Rd Suite 200
Chesterfield, MO 63017


314-262-6905  Cell / Direct








James Gillespie  - Delmar Financial


1066 Executive  Parkway Dr, Ste 100      

St. Louis, MO 63141
314-369-8199 Cell


314-434-7000  Office Ext 320   Website








Steve Vitale  - USA Mortgage

12140 Woodcrest Executive Dr #150

St Louis, MO 63141

314-382-2106 Directl 






Mark Heckman – Midwest BankCentre


700 James S McDonnell Blvd


Hazelwood, MO  63042


314-496-2572  Cell


314-446-3129  Office    Website




Harvey Sachs -  U.S. Bank Home Mortgage
 8822 Ladue Road
 Ladue, MO 63124
 Office: 314-889-1733
 Cell: 314-616-9781    Website







Steve Krazl – First Bank


1 First Missouri Center
St Louis, MO 63141 


Office: 314-348-7212









Sherry Cross -   Guild Mortgage
 Senior Loan Officer
 17280 N Outer 40 Rd, Suite 101
 Chesterfield, MO 63005
 Off: 314-227-4305
 Cell: 636-299-7474    Website







Terry Pettigrew - Stifel Bank & Trust         Vice President - VA Loan Specialist
12655 Olive Blvd, Suite 250
St Louis, MO 63141
 Off: 314-317-6902
 Cell: 314-550-2574    Website


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Steve Studnicki
Steve Studnicki
Broker Salesperson
2402 N Highway 67 Florissant MO 63033