Traci Everman – St. Louis Mortgage Lender
Senior Mortgage Banker, Flat Branch Home Loans · NMLS #289967
| Phone | (314) 575-1208 |
| Teverman@fbhl.com | |
| Office | 14755 N. Outer Forty Road, Suite 110 Chesterfield, MO 63017 |
| Licensed in | Missouri & Illinois |
Financing a Home in the St. Louis Area
Traci Everman is a Senior Mortgage Banker with Flat Branch Home Loans in Chesterfield, Missouri, and a long-standing preferred lending partner of MORE, REALTORS®. She works with buyers across St. Louis City and County, St. Charles County, Jefferson County, Franklin County and the Metro East, from first-time buyers to move-up buyers, new construction and investors.
Because Traci is local, your appraisal, underwriting and closing are handled by people who know the St. Louis market and the contract deadlines our agents work to. That matters most in the last ten days before closing, which is where out-of-town call-center lenders tend to cause problems.
Loan Programs Traci Offers
Conventional
As little as 3% down for qualified first-time buyers. Private mortgage insurance drops off at 20% equity, unlike FHA.
FHA
3.5% down with more flexible credit requirements. A common fit for buyers rebuilding credit or carrying student debt.
VA
Zero down for eligible veterans, active duty and surviving spouses. No monthly mortgage insurance.
USDA Rural Development
Zero down in eligible areas. Much of Jefferson, Franklin, Lincoln and Warren County qualifies.
Jumbo
For purchase prices above the conforming limit, common in Ladue, Clayton, Town & Country, Wildwood and Chesterfield.
Renovation & New Construction
Roll repairs or updates into the loan, or finance a build with a local construction lender who knows area builders.
What to Expect
- Pre-approval. A real pre-approval, with income and assets reviewed up front, not a soft pre-qualification. Sellers in this market read the difference.
- Rate and payment options. Side-by-side comparisons so you can see what a different program or down payment actually costs you per month.
- Under contract. Appraisal ordered promptly, with direct updates to you and your MORE, REALTORS® agent.
- Clear to close. Final numbers before closing day, so there are no surprises at the title table.
Common Questions
How much do I need for a down payment in St. Louis?
Less than most buyers expect. VA and USDA can be zero down, FHA is 3.5%, and some conventional first-time buyer programs start at 3%. Missouri also has down payment assistance programs Traci can walk you through.
How long does a pre-approval take?
Usually same day or next business day once you have submitted income and asset documents. Pre-approvals are typically good for 90 days.
Does getting pre-approved hurt my credit?
A mortgage credit pull is a hard inquiry, but all mortgage inquiries inside a short shopping window count as one. The impact is small and short-lived.
Can I use Traci if my agent is not with MORE, REALTORS®?
Yes. Traci works with buyers regardless of which brokerage represents them.
Ready to find out what you qualify for?
Call, email, or start your application online. There is no cost and no obligation.
More St. Louis Mortgage Resources
Traci Everman, NMLS #289967. Flat Branch Home Loans, a division of Flat Branch Mortgage, Inc., NMLS #224149. Equal Housing Lender. Verify licensing at NMLS Consumer Access. This page is provided by MORE, REALTORS® as a service to St. Louis home buyers. Loan programs, rates and terms are subject to credit approval and may change without notice. This is not a commitment to lend. MORE, REALTORS® does not originate loans and receives no compensation tied to any loan you obtain.