St. Joseph is included in Dan's secondary city list. Call (573) 761-7400 to discuss your purchase or refinance goals with Dan and his team at UMortgage powered by Nexa Lending.
Loan options for St. Joseph buyers and homeowners
Most St. Joseph borrowers we talk with are veterans, first-time buyers, and self-employed borrowers. Dan works with each one to match the loan to the goal instead of pushing a one-size-fits-all product.
- VA home loans for Veterans, active duty, and eligible spouses, including zero-down options
- FHA loans with lower down payments and flexible credit guidelines
- First-time homebuyer paths with clear steps before you shop
- Refinance and cash-out options to lower your payment or tap equity
- Non-QM loans (DSCR and bank statement) when tax returns do not tell the full story
How it works
You talk directly with Dan, a veteran and Senior Loan Originator (NMLS #2767718), with his team behind you. Most of the process happens by phone, email, and secure e-signature, so you can work with us from St. Joseph without a trip to the office. Call (573) 761-7400 any day from 9 AM to 9 PM, or get your personalized options online.
Frequently asked questions
Can I work with Dan if I am buying in St. Joseph?
Yes. Dan and his team help Missouri borrowers, including buyers and homeowners in St. Joseph. Everything can be handled by phone, email, and secure e-signature.
What do I need to get started?
Start with a short conversation about your goal, timeline, and income. From there Dan's team tells you exactly which documents are needed and what you should expect to bring to closing.
Do you offer loans for self-employed borrowers and investors?
Yes. Non-QM programs such as bank statement and DSCR loans are a core specialty, alongside VA lending, for borrowers who do not fit traditional tax-return underwriting.