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Helpful Hints

for Homebuyers

Congratulations on your decision to buy a new home!  Ready to apply for your mortgage?  Check out our step-by-step guide to applying.

Not ready just yet?  There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here is some useful information that will keep you on track.


Home Purchase Resources

Buyers Guide to Homeownership

Buyers Guide to Homeownership

Understanding Your Credit Score

Understanding Your Credit Score


What to Know

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Stifel Bank & Trust | Mortgage Lending

Count on Your Realtor to:

  • Preview available homes to weed out those that are overpriced, or undesirable for your needs.

  • Present the homes that suit your needs as defined by you.

  • Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.

  • Negotiate the best deal for you. With a pre-qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the seller, and may make the difference between the seller accepting your offer or someone else's, even if your offer is lower!

Stifel Bank & Trust | Mortgage Lending

Count on Your Lender to:

  • Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)

  • Keep you informed of your loan status throughout the entire process.

  • Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).

  • Get the appropriate loan for you at the best rates and fees. This will save you significant money "up front" and throughout the years to come.

Stifel Bank & Trust | Mortgage Lending

Count on Yourself to:

  • Keep your Real Estate Agent informed of any questions or concerns as they develop.

  • Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.

  • Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.

  • Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.


Stifel Bank & Trust | Mortgage Lending

Stifel's banking and lending services are provided by Stifel Bank and Stifel Bank & Trust.

Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks). The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications.

Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, Stifel Bank, Member FDIC, Equal Housing Lender, NMLS# 451163, and Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE, each a wholly owned subsidiary of Stifel Financial Corp. Unless otherwise specified, products purchased from or held by Stifel are not insured by the FDIC, are not deposits or other obligations of Stifel Banks, are not guaranteed by Stifel Banks, and are subject to investment risk, including possible loss of the principal.

 

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Copyright © 2022 Stifel Bank & Trust

STIFEL BANK & TRUST
12655 OLIVE BOULEVARD, SUITE 250
ST LOUIS, MISSOURI 63141

(314) 317-6900   |   mortgages@stifelbank.com

 

NMLS# 375103

Stifel's banking and lending services are provided by Stifel Bank and Stifel Bank & Trust.

Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks). The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications.

Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, Stifel Bank, Member FDIC, Equal Housing Lender, NMLS# 451163, and Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE, each a wholly owned subsidiary of Stifel Financial Corp. Unless otherwise specified, products purchased from or held by Stifel are not insured by the FDIC, are not deposits or other obligations of Stifel Banks, are not guaranteed by Stifel Banks, and are subject to investment risk, including possible loss of the principal.

 

Your Privacy     Social Media Disclosures     Cyber Security

 

Copyright © 2022 Stifel Bank & Trust