4901 Pernod Ave
St. Louis, MO 63139
(314) 567-9795
I’ve been in the mortgage industry since 1999. Many call it a Sales Industry and refer to loan officers as sales people. I disagree. In 15 years of providing mortgages, I don’t feel that I’ve ever sold any of my clients a product. If I had to give myself a title, I’d prefer to use the term consultant. There are dozens of mortgage products available, and many clients qualify for numerous different options. When I meet with a client, I gather as much information from them as possible. I then use that information to determine the best mortgage products available to fit their needs. I present the client with all of their options, and let them choose which one works best for their current situation. I believe this philosophy sets me a apart from my competition, and it’s why many of my clients have come back to me multiple times and referred their friends and family. In 15 years, I’ve had the opportunity to work with just about every mortgage loan scenario available. I spent my first 8 years counseling and working with borrowers with less than perfect credit and low down payments. I then transferred to a branch located just a few miles from an Airforce base, where I spent 6 years primarily working in VA and Conventional mortgages. I even used an FHA 203K Renovation loan to buy and renovate my own home…so I am very familiar with that product as well. In 2011, I partnered with a condominium project in Downtown St Louis to provide financing for over 30 condominiums, so I’m familiar with the ins and outs of condominium financing. I’ve worked with clients to achieve low to no down payment financing through USDA, MHDC, and Grants. And I’ve helped high net worth clients with Jumbo loan financing. Finally, I’ve helped several clients buy investment properties and second homes to increase their real estate portfolio. Being the largest mortgage bank in St Louis, USA mortgage has afforded me the opportunity to offer even more products to my clients. No two clients are the same, so I consider it my job to consult with each one, and help them make one of the most important decisions of their lives. MO License: 7976-MLO IL License: 031.0037287 NMLS: 400527 Company NMLS: 227262 Missouri and Illinois Residential Mortgage Licensee
SnoozeShades help babies get the sleep they need wherever they need to be. SnoozeShade makes any time naptime. Mission Designed by a mum; endorsed by experts; loved by parents SnoozeShade makes any time nap time. Company Overview SnoozeShade® Original launched in October 2009 and was the first in a new and innovative range of products that help babies sleep on-the-go. There are now five products in the SnoozeShade family: * SnoozeShade Original * SnoozeShade for Infant Car Seats * SnoozeShade Plus * SnoozeShade Twin * SnoozeShade for Travel Cots SnoozeShade was invented by Cara Sayer, an English mom, who became fed up with hanging things over her daughter’s stroller to help her go to sleep in the pram or protect her from the elements when she was napping in the pushchair. All SnoozeShades (when in sleep mode) blur visual stimuli that can keep babies awake. They help sleeping babies stay asleep and enable nosy babies to switch off enough to nap. Great for any time when parents have to be out during baby’s naptime or for traveling or on holiday. The SnoozeShade range is endorsed by the many leading baby sleep experts and has many celebrity fans. With the bonus of UPF50+ SnoozeShades are perfect for use in hot climates, it is made from soft stretchy breathable fabric that allows air to circulate - you can tell it's been designed by a mom!
Evil Genius Guitar co is a locally owned and operated luthier shop. We do repairs and customization on all brands and styles of guitar, bass, mandolin, banjo... look, if it has strings, we can do stuff with it. We are passionate about what we do.