Home mortgage loans in St. Louis

Make your dreams of owning a home a reality. Put the power of an experienced mortgage team in your hands.

Take some of the stress out of buying a new home. Get preapproved for a mortgage to secure your rate and funding amount. Go into your home search ready to make an offer.

Apply online Speak with a mortgage loan officer

Don't let a down payment stop you

Your home mortgage loan in St. Louis is within reach. Qualified first-time borrowers could receive assistance for part of a down payment. Contact us for more information.

Email

Email us directly at mortgages@arsenalcu.com to see if you qualify.

Chat

Start a live chat at the bottom-right corner of the screen.

Visit

Stop by one of our four area branches and speak with us in person.

Get local, professional mortgage experience

Work with a dedicated Mortgage Loan Originator who brings close to 20 years of experience to your homebuying journey.

Multiple loan types

Conventional, FHA, VA, jumbo, adjustable rate and more available.

Works on your schedule

Meet when and where it's convenient for you.

Save time online

Send, receive and sign your documents online.

Speak with a mortgage loan officer

Serving the St. Louis Metro and beyond

Work with a local lender with a mission to uplift the communities we serve. As a not-for-profit financial institution, it’s our job to help you find the right mortgage for your unique situation. You deserve the right rate, a reasonable monthly payment, and the house in a neighborhood you can call home.

See the areas we serve

TruStage™ Home Insurance Program

The TruStage^™ Home Insurance Program helps you protect your home—and everything in it—with coverage designed to fit your budget for credit union members.

It could help cover damage or loss due to fire, weather, theft and more. And it also helps protect you from liability if an accident happens on your property.

Get a quote today

What are people saying?

“From beginning to end, Arsenal Credit Union made the loan process very easy with no stress. Highly recommend!”

Paul B.
Member

Frequently asked home-buying questions

What documents are necessary to apply for a mortgage?

When applying for a mortgage, most lenders require documentation to verify your identity, income, assets, debts, and financial stability. When you work with Arsenal on your mortgage, we'll make sure you have ample time to collect the proper documentation every step of the way.

What are the closing costs associated with getting a morgage?

Closing costs are the fees and expenses you pay to finalize your mortgage and are typically due at closing. Depending on the type of mortgage you are approved for, closing costs can vary. Make sure to ask a mortgage loan officer about your estimated closing costs during your application process.

How does down payment size impact mortgage terms?

Your down payment size affects your interest rate, monthly payments, fees, and overall cost of the loan. A larger down payment equals a lower loan amount and lower monthly payments. A larger down payment can also help you secure the lowest possible interest rate and help save you from purchasing private mortgage insurance (PMI).

Which mortgage type is best for homebuyers?

There's no single best mortgage type for a buyer. It is dependent on your financial situation. A conventional loan may be the best option if you have a good credit score and some savings for a down payment. Contact us for more information about loan types that fit your financial situation.

Fixed-rate vs. adjustable-rate mortgages: What's the difference?

A fixed-rate mortgage has an interest rate that stays the same for the entire loan, so your monthly principal and interest payments remain stable. An adjustable-rate mortgage (ARM) starts with a lower fixed rate for a set period, then the rate adjusts periodically based on market conditions, which can raise or lower your payments. In short, fixed-rate loans offer predictability, while ARMs offer lower upfront costs but more risk over time.

You're one step closer to home ownership

Start your preapproval today. Or, contact our Mortgage Loan Officer for answers to your questions.

Apply online Speak with a mortgage loan officer

Membership and qualifications required. Loan terms and conditions depend on credit qualifications and approval. See if you’re eligible to join.
For assistance opening accounts, applying for loans and other general inquiries, start a live chat during normal business hours.