The Kewin Team

The Kewin Team

Senior Mortgage Banker
NMLS# 1658703

(630) 465-1803 Email Me

Welcome to USA Mortgage

Foreclosures, bankruptcies, short sales, and credit issues won’t hold you back from the home of your dreams! We are a true No-overlay lender. The majority of our clients were denied by other lenders. We can help!

>> Click here to read about our Featured Loan of the Week

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About The Kewin Team

We have been in the mortgage industry for over 30 years and are licensed coast to coast as mortgage bankers. We have vast experience in the industry specializing in non-QM loans, bank statement programs and reverse mortgages as well as FHA, VA loans and loans after or in a bankruptcy. We specialize in borrowers with “less than perfect credit” it is our mission to get them approved.

Our branch goal is to help every borrower get into the home they have been dreaming of. We will help work through any challenges they may have and make the process as stress free as possible. We are a true no overlay lender and can get most people approved that have been denied elsewhere. When our team joined the USA Mortgage team it was the best decision we ever made.

Ready to get started? Give us a call at (630) 465-1803 or shoot us an email! We look forward to working with you.

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Client Testimonials

Current Missouri Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate2.25%
1W Change 0.00%
APR2.935%
1W Change 0.00%
Last Updated: 10/26/2020

Conventional Loan Purchase - 30 Year Fixed

Rate2.93%
1W Change 0.05%
APR2.993%
1W Change 0.06%
Last Updated: 10/26/2020

VA Loan Purchase - 30 Year Fixed

Rate2.60%
1W Change 0.03%
APR2.888%
1W Change 0.00%
Last Updated: 10/26/2020

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with The Kewin Team to receive a personalized rate for your specific situation.

Current Missouri Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate3.25%
1W Change 0.56%
APR3.949%
1W Change 0.56%
Last Updated: 10/26/2020

Conventional Loan Refinance - 30 Year Fixed

Rate2.84%
1W Change 0.00%
APR2.904%
1W Change 0.00%
Last Updated: 10/26/2020

VA Loan Refinance - 30 Year Fixed

Rate2.39%
1W Change 0.01%
APR2.653%
1W Change 0.04%
Last Updated: 10/26/2020

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with The Kewin Team to receive a personalized rate for your specific situation.

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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Contact The Kewin Team

The Kewin Team

12140 Woodcrest Executive Dr. Suite 150
St Louis, Missouri 63141
(630) 465-1803
NMLS# 1658703

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