Got questions about home ownership?
Get the guidance you need for DSCR loans and first time home buyer loans!
Get the guidance you need for DSCR loans and first time home buyer loans!
STL Loan Advisors is a full-service mortgage brokerage dedicated to helping both real estate investors and homebuyers navigate the loan process with confidence and clarity. Whether you're expanding your rental portfolio or looking for first home loans, our team is here to guide you every step of the way.
We specialize in DSCR loans (Debt Service Coverage Ratio loans)—a powerful tool for investors who want to qualify based on property cash flow rather than personal income. These loans are ideal for clients building or scaling a rental portfolio, including short-term and long-term rentals. For investors who prefer to go the traditional route, we also offer conventional investment property loans with competitive rates and flexible terms.
For homebuyers, especially those purchasing their first home, we provide a range of government-backed loan options. FHA loans offer low down payment options and flexible credit requirements, while USDA loans are perfect for qualifying buyers looking to purchase in eligible rural areas with little or no money down.
At STL Loan Advisors, we combine industry expertise with a personal touch, helping you choose the right loan for your goals—whether that’s building wealth through real estate or achieving the dream of homeownership. Use our mortgage calculator to explore your options and let us make the loan process smooth, strategic, and successful.
In this video series, I go over the basics of many different loan types, from the most common conventional loans, to some niche products many people have never heard of.
In this video series, I am DEBUNKING mortgage myths I have heard in my years in the industry that range from half-truths to complete fallacies.
Learn all about credit in my 4 part Series, Credit Basics:
What is Credit?
Why Do I Need It?
How Do I Build Credit?
How Do I Repair Credit?
Copyright © 2025 Jack Luttge Mortgage Advisor LLC - All Rights Reserved.
Jack Luttge, Mortgage Advisor - NMLS# 1103420
(217) 691-5400
Jack Luttge Mortgage Advisor LLC - NMLS# 2579573
2528 Highway K Ste 204F, O'Fallon MO 63368
Equal Housing Opportunity
Licensed in Missouri
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