Loans > Mortgage

Making home mortgage loans in St. Louis easier

Did you know that 59 percent of recent homebuyers say that buying a new home is more stressful than dating? In fact, only divorce and finding a new job were considered more stressful.

Take some of the stress out of buying your home. Get a mortgage rate you can afford in the home that you want with help from our experts, guiding you through every step of the home-buying journey.

Contact a mortgage specialist Get preapproved online

Serving the St. Louis metro and beyond

Buying a home means building your family’s future. While you do all of the groundwork finding a neighborhood you like, you should have a lender who knows the market, too.

Every step of your mortgage at Arsenal is handled in-house. From your initial meeting, to underwriting, to closing, know that you’re working with a credit union that wants to lift up the members of its community.

See the counties we serve

Your search for a dedicated mortgage expert is over

Dedicated Mortgage Loan Originator, Jon DeBold, brings close to 20 years of mortgage experience to your homebuying journey.

He has experience in FHA, VA, conventional and jumbo loan products, and will help you find the mortgage that fits your unique needs.

It’s our goal to work on your schedule. Jon will meet you where it’s convenient to discuss your options.

Contact Jon DeBold

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.

Call

Contact Mortgage Loan Originator, Jon Debold, at 636.575.0678.

Visit

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

Get preapproved

When you get preapproved, we verify your income and assets before you start shopping. This lets sellers know that you’re serious. Preapproval means you can make an offer as soon as you find a home you love.

If you want to get started ASAP, fill out this quick form and a member of our mortgage team will reach out to you during normal business hours.

Fixed rate vs adjustable mortgage rates in St. Louis

When you apply, we’ll help you find the home loan that fits your unique situation. We offer many products for different needs, but they generally fall into fixed rate vs adjustable rate mortgages.

We'll find the rate type that works best for you.

Fixed-rate mortgage

Keeps the same rate throughout the term of your loan.

Predictable and usually more affordable monthly payments.

Available in 10-, 15-, 20- and 30-year terms.

Better if you plan to live in your home for a long time.

Get preapproved online

Adjustable-rate mortgage

Start with a lower rate, then change as market interest rates change.

1/1, 3/1 and 5/1 products: Interest rates stay the same for 1, 3 or 5 years, then change based on market for the remainder of the term.

Better if you plan to move before the adjustable rate kicks in.

More about adjustable rates

Resources for homebuyers


Mapping out your mortgage

A mortgage is a journey. Work with a guide who can help you carve out the best path forward. Take your journey step-by-step to get the best results.

Learn more

Get into your home faster

There are a lot of players when it comes to purchasing a new home. Coordinating the process between all respective parties takes a little work and a lot of patience.

Learn more

The facts about down payments

How much cash do you need before you can buy a home? The answer may be less than you thought. Plus, learn how you can possibly get assistance.

Learn more

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

Get preapproved today

We're here to help answer your mortgage questions.

Connect with a mortgage specialist Get preapproved online

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.