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Get the guidance you need for DSCR loans and first time home buyer loans!
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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 may be an option 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.
The rates shown below are national averages provided for general informational and comparison purposes only. They are not an advertisement of rates currently offered by STL Loan Advisors, a rate quote, a loan estimate, or a commitment to lend. National averages may be based on assumptions that do not reflect your specific loan scenario and may change throughout the day without notice.
Your actual interest rate, annual percentage rate (APR), closing costs, monthly payment, and available loan terms will depend on several factors, including the loan program, loan amount, property type and location, occupancy, down payment or equity, credit history, debt-to-income ratio, discount points, market conditions, and lender underwriting requirements. Not all applicants will qualify for the rates or terms displayed.
Contact STL Loan Advisors for a personalized loan comparison based on your circumstances. We compare options available through our approved wholesale lending partners, but we do not represent every lender or loan product in the marketplace. This is not a commitment to lend. All loans are subject to underwriting approval and program eligibility.
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?
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Jack Luttge, Mortgage Advisor - NMLS# 1103420
(217) 691-5400
STL Loan Advisors LLC - NMLS# 2579573
2528 Highway K Ste 204F, O'Fallon MO 63368
Equal Housing Opportunity
Licensed in Missouri
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