Bob Rutledge's Blog

Follow me
Mortgage and Lending - USA Mortgage - NMLS:297044 MO:1365-MLO
Mortgage Approval    After Your Bankruptcy St. Louis, Kansas City Springfield, Columbia and Missouri     You Are Not Alone I recall the feelings that ran through me when I felt compelled to file for a Chapter 7 bankruptcy, I felt as though I was an outcast and ashamed that I could not handle my o...
How much do I need for Down Payment?      Is There a Zero Down Payment Mortgage? What is the Minimum Down Payment? Do I have to have 20% down payment?  These are very typical questions regarding down payment that I hear every day as a mortgage loan officer. There is a lot of misunderstanding and ...
   Getting a mortgage approval for home buyers with credit scores that some would judge as POOR or BAD is easier than what you have heard or would think!  Did you know?  That FHA allows for mortgage approval down to a 500 credit score? A 10% down payment is required but it is possible, in fact la...
  THE VA MORTGAGE WILL PROVIDE A ZERO DOWN PAYMENT HOME LOAN TO UNITED STATE VETERANS! Many Times The Veteran Will Get Money Back On The Day of Closing!   The VA Mortgage is one if not the number one best mortgage program because of its flexibility to provide more to the veteran borrower than an...
4 BEDROOM HOUSE FOR SALE IN ST. PETERS MO FINISHED LOWER LEVEL AND 3 FULL BATHS DOWN PAYMENT ASSISTANCE AVAILABLE   This wonderfully large home at 3 Sherri Lane in St. Peters MO 63376 can be found in the Brookmount Subdivision only a few minutes from the St. Peters Rec-Plex, maybe even a short wa...
The New HARP 2.0 Refinance   Help for Underwater Mortgages for Homeowners in the St. Louis MO and St. Charles MO area!   The HARP or Home Affordability Refinance Program has made a small but significant change that will help more homeowners in the St. Louis and St. Charles area, really all of Mis...
Are considering buying a home in the St Louis area? St. Charles? Have you been turned down for a mortgage because your credit scores were too low? Are you concerned about your credit so you won't consider buying a new home?   THERE IS NOW HOPE FOR YOU AND EVERYONE WHO WOULD LIKE TO BE A NEW HOME ...
First Time Home Buyer Programs and Down Payment Assistance for St. Louis and St. Charles   As a Mortgage Loan Officer for nearly 20 years, I have always considered First Time Home Buyers my number one niche. Mostly, I work with home buyers in the St. Louis, St. Charles, Lincoln, Jefferson Countie...
        The Key To Successfully Closing A FHA 203k Renovation Mortgage In 45 Days or Less is......     EXPERIENCE!     Yes, it is possible, regardless of your experiences in the past or what you have heard it is possible to close an FHA 203k Renovation Home Loan in 45 days, maybe less.   If you ...
The Top Home Improvements to Use with the FHA 203k Renovation Home Loan     A Recent study released by HUD regarding the FHA 203k Renovation Mortgage Program stated that after all work was completed homes that utilized the FHA 203k Renovation Home Loan had over 22% equity in the home. Imagine wh...

Bob Rutledge

FHA 203k - USDA - FHA - Down Payment Assistance
Ask me a question