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Fast Home Loans
Low-Interest Rates
Personal Attention

Fast Home Loans
Low-Interest Rates
Personal Attention

Homestead Financial Mortgage

Whether you’re purchasing or refinancing, we will meet your deadlines & exceed your expectations.

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Enjoy stress-free financing, personal attention, & on-time closing

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Meet financial goals by lowering your rate & changing loan terms

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Become a Partner

Partner with a lender that can help you build your book of business

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What they
about us.

Family after signing for home loan from Homestead Financial

maretoli123 says…

Wouldn't send my business any where else!! Cari is amazing at what she does! You are not just another number here, you are cared for and treated like family!

Stephen S. says…

Aaron' ability to effectively communicate, respond in a timely manner, friendly demeanor, and overall professionalism made this a 100% easy experience. His knowledge of his industry is amazing. He is clearly a subject matter expert and a professional.

Elmer E. says…

"Everything went according to plan and without a hitch. Frank Spell was absolutely terrific! This is our third transaction with Homestead Financial and we were happy to once again be return customers. We highly recommend Frank Spell and Homestead without reservation."

Jessica W. says…

"JR, Melanie, and Kim did an amazing job working with us so we could buy our dream home. They went above and beyond making sure everything was taken care of and making sure we were taken care of."

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Home Loans Done Better

Tell us what you need, and we’ll get you there. A fast close? No problem.

  • Need extra time? We can do that too.
  • Want to apply from your couch? It’s easy.
  • Prefer to come into the office? We’re here for you 7 days a week, including nights & weekends.


Here are the six simple steps you’ll follow:

  1. Apply online or give us a call
  2. Upload your documents or bring them in
  3. Get pre-approved
  4. Go shopping (If refinancing onto step 5)
  5. Fill in any details for Processing & Underwriting
  6. Close on your loan

"By being open and recognizing our strengths and weaknesses, we can see opportunities for growth and ways to help each other."

- Jayson Hardie on Growth

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Big Advantages of Choosing
Homestead Financial Mortgage

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Low-Interest Rates

You’ll get some of the lowest rates & fees in the state.

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Personal Service

Your loan advisor will make your home loan process easy.

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You’ll Close on Time

Tell us your deadlines & we’ll get you there on time.

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Relax & breathe - you don’t need to worry about your financing.

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We’re available when you need us, including nights & weekends.

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We’re Local

Serving St. Louis, MO; Overland Park, KS; Godfrey, Glen Carbon, & O'Fallon IL; Dallas, Texas.

Learning Center

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Reasons to Refinance Your Mortgage

With mortgage rates remaining near record lows, you may be considering refinancing your current mortgage to lock in a lower rate or tap into your home equity for renovation projects.

Home office, anyone?

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How Long Does It Take to Get a Mortgage?

For a purchase, Homestead Financial Mortgage can close in 14 days and 30 days for a refinance. Most other lenders take 30 to 45 days for purchase and 60 days for a refinance.

Here are the six basic steps to getting a mortgage.

Keys from a first time home buyer

4 Big Tips for First-Time Homebuyers

Buying your very first home is such an exciting time! But it can also be a bit intimidating. It doesn't have to be. Here’s why – you don’t need to have everything figured out. There are just a few points to have in place to get you started on your way to owning a home. Read on to see what they are.