Over the last 35 years, banks have taken their residential loans, bundled them together, and sold them to investors. So long as investors felt confident and could predict profitability, the mortgage market thrived. But, then lenders loosened guidelines. Rates went up and property values flattened. As a result, foreclosures increased, producing an unfortunate domino effect. Even the recent half-point rate cut by the Fed, which is pro-growth and helpful in many ways, particularly on short-term debt, can't immediately restore investor confidence and liquidity to the market.

There is good news, however. Based on our team's 160 years of mortgage industry experience, the market for home loans will come roaring back (it's an extremely profitable business for banks) in 6-12 months. In the meantime, banks are pumping up their efforts to bring in deposits. Why? Today's deposits will become tomorrow's loans. The cycle continues, in its own healthy way.

So, what if you need a loan today? What's the solution?

The best solution to finding and closing a competitive home loan is to work with an experienced and sophisticated mortgage adviser, one with the resources and knowledge to close a deal in virtually any market. Our team consists of highly objective mortgage originators with exclusive banking relationships, direct lending and private equity resources. These resources need to lend money to qualified buyers. It takes more work these days, but we do a thorough job of providing and packaging everything a lender needs to say, "yes!" to a loan. We have been the #1 producing mortgage loan team in Southwest Missouri, thanks to our resources and our buttoned-up, 24/7 loan packaging process.

No matter what your goals are, we are confident that we can find the perfect solution for you from among our range of options and programs. Give us a call today at to discuss your specific needs. Together, we can make deals close and doors open.