jack luttge,
mortgage advisor
(217) 691-5400
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jack luttge,
mortgage advisor
(217) 691-5400
Home
DSCR Loans
Apply for a DSCR Loan
About Me
What is a Broker?
Mortgage Calculator
SpreadSheets for Sale
Lincoln County Tax Sale
More
  • Home
  • DSCR Loans
  • Apply for a DSCR Loan
  • About Me
  • What is a Broker?
  • Mortgage Calculator
  • SpreadSheets for Sale
  • Lincoln County Tax Sale

  • Home
  • DSCR Loans
  • Apply for a DSCR Loan
  • About Me
  • What is a Broker?
  • Mortgage Calculator
  • SpreadSheets for Sale
  • Lincoln County Tax Sale

about stl loan advisors

Man with a beard in a blue plaid shirt sitting outdoors by a river.

Broker and Owner of STL Loan Advisors, John "Jack" Luttge


I draw on an extensive background in tax preparation, banking, mortgage, and investments to advise my clients on the best home financing strategies. I assist them at every step of buying or refinancing their home loan, and I also provide credit repair coaching to help individuals improve their financial health. Additionally, I offer first-time homebuyer guidance to ensure clients make informed decisions. 


About me: I am an avid runner and OCR competitor, believing that physical fitness and a healthy lifestyle are key to increasing happiness, fulfillment, and productivity. I am a family man, happily married with three boys whom we homeschool. 


As a former Dave Ramsey Financial Peace University Coordinator, I proudly share that my family and I “owe nothing to anyone but love.” We are completely debt-free, owning our home and two cars without any debt. While I don't agree with everything Dave teaches anymore, I understand that finances are nuanced and complex, and there is no one-size-fits-all approach to personal financial situations. 


I am also a committed Christian, saved by grace through faith in Jesus Christ. He has performed many miracles in my life that I would be happy to share if you ever want to hear my testimony. I am not perfect, but I am growing in my walk with God and working toward the heavenly reward that awaits me. 


“Do not be deceived, God is not mocked; for whatever a man sows, that he will also reap. 8 For he who sows to his flesh will of the flesh reap corruption, but he who sows to the Spirit will of the Spirit reap everlasting life. 9 And let us not grow weary while doing good, for in due season we shall reap if we do not lose heart. 10 Therefore, as we have opportunity, let us do good to all, especially to those who are of the household of faith.” Galatians 6:7-10 NKJV 


Jack Luttge, Mortgage Advisor - NMLS# 1103420 (217) 691-5400 STL Loan Advisors - NMLS# 2579573 2528 Highway K Ste 204F, O'Fallon MO 63368 Equal Housing Opportunity Licensed in Missouri

Why "Mortgage Advisor"?

I call myself a Mortgage Advisor because I'm so much more than just a Mortgage Broker. When meeting with clients, we take the time to review your entire financial picture, ensuring you're making the best decisions for your financial future and goals. I leverage my extensive background in finance to assess your situation from investment, tax, and cash flow perspectives. 


**Services Offered:**


**Mortgage Broker:** First and foremost, I am a Mortgage Loan Officer/Broker who can shop for you and obtain a mortgage loan that aligns with your lending needs and objectives. I will take your application, shop various lenders, find the most suitable loan type, and manage the loan process from start to finish, getting you to the closing table efficiently and with minimal hassle. 


**Mortgage Advisor:** For those needing additional guidance, such as first time homebuyers or individuals looking to get into real estate investing, I can offer personalized support. Together, we can explore home financing strategies, answer your questions, and delve into essential principles and strategies that will help you succeed in real estate and make informed financial decisions. Additionally, I offer credit repair coaching to further support your journey. 


**What Does It Cost?**


**Fees collected up front:**


Credit Report Fee (Hard Inquiry for Mortgage Application): $113 for Joint or Individual


Appraisal Fees for Mortgage Applications: Vary, but average between $600-900 


**Loan Products Available:**


Conventional Loans


USDA, FHA, VA


DSCR Investor Cash Flow Loans


Business Purpose - Can Close in an LLC


Down Payment Assistance


First Time Homebuyers


Interest Only and ARMs 


Have more questions? Drop us a line! 


Call or text me at (217) 691-5400 


Email me at jack@stlloanadvisors.com

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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 

https://www.nmlsconsumeraccess.org/

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