Lender Recommendations

Scroll down for list of experienced Loan Officers

Steve Studnicki, Coldwell Banker Realty – Gundaker
Call or text 314-616-5892  or  email me
Contact me to buy or sell – Over 30 Years Experience
Skilled Negotiator – Over 1500 Properties sold
The seller will not consider your offer without a pre-approval letter. The first step in buying a home is to start a mortgage application. It’s best to know your approval amount before viewing properties regularly. Initially looking $20,000 over your loan limit will make it harder to find a home you’ll be happy with. There may be credit issues you’re not aware of. Your loan officer can provide suggestions to increase your credit score. It can take 6 months or more to raise it to a level needed to obtain a mortgage.

Get a Second Look – If you have a favorite bank or already have a pre-approval letter, I suggest calling at least one of these loan officers to compare rates and fees. Avoid national lenders you’ve seen on TV stating you’ll get the lowest rate. Compare their rates with a local lender from below. I had a buyer pre-approved with a national website lender. They took my advice to compare. My lender gave them a 1/8% lower interest rate and get this, $1200 less fees. This was well worth making the extra phone call.  NOTE: If you know your credit score is marginal, don’t call too many lenders. Each time your credit report is checked, it lowers your score by several points.

I highly recommend each one of these loan officers. Each provides the professionalism you deserve. Inform anyone you call here that I am your realtor. Applications can be done over the phone. Guaranteed Rate Affinity can provide 24 hour written approval! Call them for a ‘Second Look.’

Lynne Schelereth – Guaranteed Rate Affinity
4502 Mid Rivers Mall Dr
Cottleville, MO 63376
314-504-8426 Cell
Lynne’s website






Simeon Williams – Guaranteed Rate Affinity
2458 Old Dorsett Suite 108
Maryland Heights, MO 63043
314-565-3254 Cell
Simeon’s website





Andy House – Guaranteed Rate Affinity
45022 Mid Rivers Mall Dr
Cottleville, MO 63376
636-395-4655 Cell
314-824-1507 Office
Andy’s website
Wes Sutterer – USA Mortgage
1795 Clarkson Rd Suite 200
Chesterfield, MO 63017
314-262-6905  Cell / Direct
Wes’s website
Photo of Wesley Sutterer
James Gillespie  – Guild Mortgage
17280 N Outer 40 Rd, Ste 101
Chesterfield, MO 63005
314-369-8199 Cell
314-530-7273 Office Ext 54755
James’s website
Mark Heckman – Midwest BankCentre
700 James S McDonnell Blvd
Hazelwood, MO  63042
314-496-2572  Cell
314-446-3129  Office mheckman@midwestbankcentre.com
Mark’s website
Portrait of Mark Heckman





Steve Krazl – Prime Lending
12400 Olive Blvd
St Louis, MO 63141
Cell:  314-348-7212
Steve’s website
Steve Krazl
Sherry Cross –   Guild Mortgage
Senior Loan Officer
17280 N Outer 40 Rd, Suite 101
Chesterfield, MO 63005
Off: 314-227-4305
Cell: 636-299-7474
Shery’s website
Sherry Cross






Terry Pettigrew – Stifel Bank & Trust
Vice President – VA Loan Specialist
12655 Olive Blvd, Suite 250
St Louis, MO 63141
Off: 314-317-6902
Cell: 314-550-2574
Terry’s website









If you have credit issues and need help, or simply want to build your credit score, I suggest contacting Mr John Boll at the Credit Care Company (Facebook page); Ph 314-485-9940, Office 888-238-1790;  10805 Sunset Office Dr, Suite 300. St Louis, MO 63127. Here is more information about the company on the owner’s Linked-in page – johnb@thecreditcarecompany.com