Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
No Lender Fees
We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.
What does a Missouri mortgage broker do that a bank can't?
A Missouri mortgage broker licensed through NMLS compares loan programs from many wholesale lenders instead of one bank’s menu. DreamLux Home Loans, a DBA of NEXA Lending, LLC (NMLS #1660690), submits your file to the lender whose pricing and guidelines fit your scenario, so you see wholesale-priced rates and the program that actually fits, from conventional and jumbo to physician, DSCR, bank statement, USDA and FHA. Zach Brown, NMLS #2156538, is licensed in Missouri and Kansas.
Licensed Statewide · Columbia · Kansas City · St. Louis · Lake of the Ozarks
Missouri
Mortgage Lender & Broker
DreamLux Home Loans shops 280+ wholesale lenders through NEXA Lending, so Missouri buyers and homeowners see wholesale pricing instead of one bank's menu. Conventional, jumbo, construction, physician, DSCR investor, streamline and rate-and-term refinance, bank statement and self-employed, USDA and FHA loans under one roof, with MHDC down payment assistance up to 4%.
No credit impact to get started · Underwritten pre-approvals · Same-day answers by call or text
The Short Answer
What does a Missouri mortgage broker do that a bank can't?
A Missouri mortgage broker licensed through NMLS compares loan programs from many wholesale lenders instead of one bank's menu. DreamLux Home Loans, a DBA of NEXA Lending, LLC (NMLS #1660690), submits your file to the lender whose pricing and guidelines fit your scenario, so you see wholesale-priced rates and the program that actually fits. The Missouri specifics that shape that file: the 2026 FHA limit is $541,287 in all 114 counties and St. Louis City, the conforming limit is $832,750, MHDC offers up to 4% of the loan amount in down payment help, and the state assesses residential property at 19% of market value with reassessment in odd-numbered years, which is why an escrow payment can move the January after closing.
| What you get | Typical bank | DreamLux Home Loans |
|---|---|---|
| Lender options | One bank, its own menu | 280+ wholesale lenders, one file |
| Rate source | Retail rate sheet | Wholesale pricing, compared the same day |
| MHDC First Place / Next Step | Only if the bank is MHDC-certified | Placed with an MHDC certified lender |
| Conventional and jumbo pricing | One guideline set | Priced across every lender's sheet |
| Construction and physician loans | Rarely both | One-time-close builds and physician programs |
| DSCR investor and bank statement loans | Rarely offered | Qualified on rent or 12 to 24 months of statements |
| Streamline and rate-and-term refinance | Bank's own servicing | FHA Streamline, VA IRRRL, conventional rate-and-term, no appraisal where the program allows |
| USDA and FHA | Sometimes | Both, paired with MHDC where eligible |
| Where you close | Bank's preferred title | Any Missouri title company you choose |
Program limits verified September 10, 2026 against MHDC, FHFA and HUD publications.
Missouri
Statewide · Licensed by the Missouri Division of Finance
Working With a Missouri Mortgage Broker
Working With a Missouri Mortgage Broker
Missouri is one state with three very different mortgage markets, and the county line matters more than the state line. Mid-Missouri runs on Mizzou, state government and a USDA map that starts a few miles outside Columbia and Jefferson City. Kansas City straddles a state border, so half the buyers Zach talks to are comparing a Missouri escrow figure against a Kansas one. St. Louis County reassesses on the same odd-year cycle as everyone else but with values that swing harder, which is where most of the escrow-shortage calls come from.
Zach Brown (NMLS #2156538) is based in Columbia and licensed in both Missouri and Kansas. Files go across 280+ wholesale lenders rather than one bank's guideline set, which is the difference on jumbo, self-employed, DSCR and new-construction files where one lender's overlay declines what another approves. The detail most Missouri buyers miss: the escrow-shortage letter arrives the January after an odd-year reassessment, and every February the phone fills up with people asking why the payment moved. That is priced into the pre-approval here, not discovered later.
Statewide Snapshot
Home Loans Across Missouri
Missouri's statewide median sale price was $299,064 in June 2026, up 3.1% year over year, with homes going under contract in a median 32 days and about three months of supply, per Redfin. Metro medians spread wide: Kansas City near $310,000, Columbia near $340,000, St. Louis City near $260,000 and Springfield near $220,000. The fastest-rising markets over the year were Clayton, Mehlville, Kirkwood, Grandview and Belton, which is where conforming versus jumbo and the county's reassessment history matter most in the pre-approval.
Missouri charges no real estate transfer tax (Missouri Constitution, Article X, Section 25), so buyers pay county recording fees, title and prepaids only. Property tax is assessed at 19% of market value and reassessed in odd-numbered years, and rates differ by county and school district, so two identical list prices in Clay County and Jackson County carry different escrow figures. Missouri also allows a First-Time Homebuyer Savings Account deduction of up to $1,600 single or $3,200 joint per year toward a down payment.
Who this practice serves: first-time buyers pairing FHA with MHDC assistance, physicians and residents at MU Health, BJC, Mercy, Saint Luke's and CoxHealth, investors buying Lake of the Ozarks short-term rentals and Columbia student housing on rental income, self-employed owners qualifying on bank statements, veterans around Fort Leonard Wood and Whiteman Air Force Base, and buyers in the USDA-eligible towns outside the metro cores.
Every program, one file. Across Missouri we originate conventional loans, jumbo loans above $832,750, one-time-close construction loans, physician home loans for MU Health, BJC, Mercy and CoxHealth providers, DSCR investor loans for Lake of the Ozarks and college-town rentals, FHA Streamline, VA IRRRL and conventional rate-and-term refinances, bank statement and self-employed loans, USDA $0-down loans, and FHA loans that pair with MHDC assistance. Run the numbers on the Missouri mortgage calculator first.
Available Statewide in Missouri
Our Primary Missouri Mortgage Loan Programs
Conventional Loans
3% down first-time, $832,750 limit in every county
Jumbo Loans
Above $832,750 in West County, Clayton, Ladue and the Lake
One-Time Close
Construction Loans
New builds in Ashland, Lee's Summit, Nixa and the Lake
0 to 5% Down
Physician Home Loans
MU Health, BJC, Mercy, Saint Luke's, CoxHealth
DSCR Investor Loans
Lake STRs, Columbia student rentals, KC and STL long-term
Streamline & Rate-and-Term Refinance
FHA Streamline, VA IRRRL, conventional rate-and-term
Bank Statement / Self-Employed
12 to 24 months of statements, no tax returns
$0 Down
USDA Rural Development
Ozarks, north Missouri, Mid-MO towns outside city cores
3.5% Down
FHA Loans
580+ credit, $541,287 limit, pairs with MHDC 4%
$0 Down
VA Loans
Fort Leonard Wood, Whiteman AFB, every Missouri veteran
HELOC
Access equity in an existing Missouri home
Down Payment Assistance
MHDC First Place and Next Step, up to 4%
More Programs
Bridge, reverse, HELOC and every option →
No Cost, No Obligation
Buying Anywhere in Missouri?
Send the address before you write the offer. Zach will confirm the county's assessment history, whether MHDC assistance or USDA applies, and which program actually fits. No credit pull.
Missouri First-Time Buyer & Down Payment Assistance
Missouri First-Time Buyer & Down Payment Assistance
Every Missouri down payment query now returns an AI answer, and most of them get the details wrong. This is what the programs actually do, from the MHDC operations manual and the 2026 limits sheet.
MHDC
First Place Loan
A below-market first mortgage with an optional second loan of 4% of the first mortgage for down payment and closing costs. Not a grant: it is forgiven 1/60 per month during years 5 through 10 and fully forgiven at 10 years, repayable if you sell or refinance sooner. Minimum 640 credit score (660 for manufactured homes), DTI up to 45% to 50% depending on program. First-time means no ownership in the prior 3 years; veterans are exempt from that rule.
MHDC
Next Step Loan
The same 4% second-mortgage structure for repeat buyers and for households above the First Place income limits. Next Step uses the higher targeted income limits statewide, so a Kansas City household of three can earn up to $158,760 and still qualify. Same forgiveness schedule, same certified-lender requirement.
MHDC
Mortgage Credit Certificate
Missouri's MCC, which returned 25% of annual mortgage interest as a federal tax credit, is paused for new applications as of January 1, 2026 and is not listed among MHDC's active homebuyer programs. If you were counting on it, ask: the First-Time Homebuyer Savings Account deduction and lender-paid structures fill part of the gap.
| Area | First Place, 1 to 2 persons | First Place, 3+ persons | Targeted / Next Step, 1 to 2 | Targeted / Next Step, 3+ |
|---|---|---|---|---|
| Kansas City MSA | $113,400 | $130,410 | $136,080 | $158,760 |
| St. Louis MSA | $113,500 | $130,525 | $136,200 | $158,900 |
| All other Missouri areas | $97,100 | $111,665 | $116,520 | $135,940 |
| Purchase price limit, 1-family | $566,354 non-targeted | $692,211 targeted / Next Step |
Source: MHDC 2026 Income and Purchase Price Limits, updated May 12, 2026. Kansas City MSA covers Cass, Clay, Jackson, Platte, Caldwell, Clinton, Lafayette and Ray counties; St. Louis MSA covers St. Louis City and County, St. Charles, Jefferson, Franklin, Lincoln and Warren. Columbia and Jefferson City carry their own MSA limits; ask for yours by address. City and county programs also exist in Independence, Springfield, St. Charles County and Columbia, and can stack where their rules allow.
Missouri Mortgage Facts
What Missouri Buyers Ask About Before They Apply
These are the Missouri-specific numbers and rules that shape a mortgage here. Figures are for 2026 and are verified against the issuing agency; the last column is what each one does inside your file.
| Item | Missouri | What it does to your file |
|---|---|---|
| 2026 FHA loan limit, 1 unit | $541,287 in all 114 counties and St. Louis City | No Missouri county is a high-cost area, so the same FHA ceiling applies in St. Louis, Kansas City and Ashland. |
| 2026 conforming loan limit | $832,750 | Above this a Missouri purchase is a jumbo file, which is where the 280+ lender spread matters most. |
| Residential assessment ratio | 19% of market value | Sets the assessed base your county multiplies by the levy. Missouri's is higher than Kansas at 11.5%. |
| Reassessment cycle | Every odd-numbered year | Escrow is analyzed after the new bill lands, so the payment change shows up the following January. |
| Statewide down payment help | MHDC First Place and Next Step, up to 4% of the loan amount | Second mortgage forgiven over time. First Place is first-time buyers and veterans; Next Step allows repeat buyers. |
| Mortgage Credit Certificate | 25% of annual mortgage interest as a federal tax credit | Stacks with an MHDC loan for eligible buyers. Income and price limits apply by county. |
| Real estate transfer tax | None | Missouri does not charge one. Closing costs here are title, recording and prepaids. |
| Local earnings tax | 1% in Kansas City and St. Louis | Applies to residents and to anyone who works inside city limits. Changes take-home pay, not your qualifying income. |
| Who licenses your lender | Missouri Division of Finance, through NMLS | NEXA Lending, LLC is NMLS #1660690. Zach Brown is NMLS #2156538. Both are verifiable on NMLS Consumer Access. |
Sources: FHFA 2026 conforming loan limit announcement, HUD FHA limits for Missouri, Missouri Housing Development Commission homebuyer programs, Missouri State Tax Commission assessment rules. Program limits and levies change; confirm by address before relying on any figure. Verify NMLS #2156538.
Missouri Markets
Serving These Missouri Communities
Mid-Missouri Hub
Columbia, Jefferson City and Ashland in one place. Mizzou, state government and the USDA map.
View Page →
Columbia, MO
Boone County. Physician and resident loans, student rental DSCR, first-time buyers.
View Page →
Jefferson City, MO
Cole County. State employees, USDA just outside city limits, conventional and VA.
View Page →
Ashland, MO
Southern Boone. USDA $0 down inside city limits, new construction along Highway 63.
View Page →
Lake of the Ozarks Hub
Camden, Miller and Morgan counties. Second homes, short-term rentals, jumbo.
View Page →
Osage Beach, Lake Ozark & Sunrise Beach
Lakefront and second-home financing, condo warrantability checked up front.
View Page →
Camdenton, Laurie & Gravois Mill
West side of the Lake. USDA-eligible tracts and primary-residence programs.
View Page →
Kansas City Metro
Both sides of the state line, with the 19% versus 11.5% escrow math in one place.
View Page →
Lee's Summit & Blue Springs
Jackson County. VA, conventional and the 2023 reassessment still living in escrow.
View Page →
Liberty, Parkville & Northland
Clay and Platte counties. New construction north of the river, earnings-tax line.
View Page →
Raymore & Belton
Cass County. USDA on the south edge, first-time buyer programs.
View Page →
St. Louis Metro
St. Louis City, St. Louis County and St. Charles. Jumbo, physician and the city earnings tax.
View Page →
Chesterfield, Creve Coeur & Ballwin
West St. Louis County. Jumbo above $832,750, move-up buyers.
View Page →
Kirkwood, Wildwood & Crestwood
Established St. Louis County suburbs. Conventional, renovation and fast close.
View Page →
Tower Grove & Lafayette Square
St. Louis City. DSCR, historic renovation and the 1% earnings tax.
View Page →
Every Market We Serve
The full Missouri and Kansas index, including the Kansas suburbs.
View Page →
Every card above is a live page written for that market. Buying somewhere in Missouri that is not listed? The license is statewide, and the same 280+ lender spread applies in Springfield, Joplin, Cape Girardeau and St. Joseph.
Service Area
Where We Lend in Missouri
Licensed for every Missouri jurisdiction: 114 counties plus the independent City of St. Louis. Closings are handled in person or by mobile notary anywhere in the state.
Primary markets
Columbia, Jefferson City, Kansas City, St. Louis, Springfield, Lake of the Ozarks
Counties
BooneColeCallawayCooperCamdenMillerMorganJacksonClayPlatteCassSt. Louis CitySt. Louis CountySt. CharlesJeffersonFranklinGreeneChristianJasperBuchanan
Communities
AshlandBoonvilleCentraliaFultonOsage BeachLake OzarkCamdentonLee's SummitIndependenceLibertyBlue SpringsO'FallonSt. PetersChesterfieldKirkwoodNixaOzark
ZIP prefixes
650 to 652 Mid-Missouri640 to 641 Kansas City630 to 631 St. Louis656 to 658 Springfield654 Lake of the Ozarks
Not on the list? The license is statewide. Send the address and you will get the same program check and wholesale pricing as any market above. (573) 301-4422 or text Zach.
Complimentary Resources
Free Tools for Missouri Buyers
CALCULATOR
Missouri Mortgage Calculator
Estimate payment with the Missouri 19% assessment ratio built in.
Calculate Now →
FREE · INSTANT
Purchase Qualifier
See what you qualify for anywhere in Missouri with no credit pull.
Get Qualified →
RATE CHECK
Refinance Analysis
Break-even timeline and projected savings on your current loan.
Analyze My Loan →
JUMBO
Jumbo Pre-Check
Ladue, Clayton or Lake purchase above $832,750? Start here.
Check Eligibility →
NEW BUILD
Builder Offer Review
Bring the builder's worksheet. Compare their incentive against your file.
Compare It →
15 MINUTES
MHDC & USDA Check
Send an address, find out if MHDC assistance or USDA applies.
Book a Call →
FREE AUDIT
Loan Estimate Audit
Already have a quote? Send the LE and get it read line by line.
Send My LE →
GUIDE
Missouri Buyer Guide
Assessment math, MHDC programs and down payment options in one place.
Get the Guide →
HOME SEARCH
MLS Home Search
Search active listings across Missouri. Found one you like? Send the address back and you will get the county's assessment history, the estimated escrow figure and whether USDA or MHDC applies before you tour it.
Search Homes →
FOR SALE BY OWNER
FSBO PRO Listing Tool
Selling it yourself in Kansas or Missouri? Sign up through the preferred-partner invite link and $99 comes off the FSBO.com Plus plan at checkout. Full disclosure in the FSBO section below.
Get My Invite Link →
A note on the last two. The home search runs on a third-party listing platform, and FSBO.com is an affiliated business, since DreamLux Home Loans is a DBA of NEXA Lending, LLC and NEXA Lending, LLC and FSBO.com share common ownership. You are never required to use either one to work with DreamLux. The full Affiliated Business Arrangement Disclosure appears in the FSBO section below.
Already Shopping
Send Me Your Loan Estimate. I'll Read It Line by Line.
Pull up your Loan Estimate and send it over. Free, soft pull only, 24 hour turnaround. Most borrowers compare two lenders on the interest rate alone, which is the one number on that form that tells you the least. The costs that actually decide which offer is better are on page 2, and the real comparison is a box on page 3 that almost nobody opens.
What Gets Checked
The lines that change the answer
- Section A, Origination ChargesDiscount points live here. Paying for a lower rate is fine, but it should be a decision you made, not one you discover at closing.
- Section C, Services You Can Shop ForYou are allowed to shop title and settlement. Most borrowers never learn that, and the difference is real money.
- Lender creditsShown as a negative number. A credit can be buying up your rate, so it needs reading against Section A, not on its own.
- Page 3, In 5 YearsTotal paid and principal paid after five years. This is the honest side-by-side, and it is the box I go to first.
- APR and Total Interest PercentageTwo lenders can quote the same rate with very different APRs. That gap is the fee load.
What It Is Not
Straight about the limits
- Not a promise to beat itSometimes the offer in front of you is the right one. If it is, I will tell you that and you can go close it.
- Not a credit pullReviewing an existing Loan Estimate needs no inquiry. Nothing touches your report.
- Not a comparison of prepaidsSections F and G shift with your closing date and your county. Those differences are usually timing, not a better deal.
- Not a rate quoteRates move daily and depend on your file. This is about reading what you already have, clearly.
How to send it. Your Loan Estimate is the three-page form every lender must give you within three business days of your application. Screenshot all three pages or forward the PDF. You will get it back with the line items marked and a plain-English read on what you are actually comparing, at no cost and with no obligation to move your loan.
Start Your Search
Looking at Homes in Missouri?
Get the financing sorted first. In every Missouri market the pre-approval letter is what gets your offer read, and knowing the true escrow figure before you tour saves you from falling for a house you would not have written on.
Step One
Get the underwritten letter first
Not a soft online quote. A fully underwritten pre-approval that a listing agent takes seriously. Your file goes across 280+ wholesale lenders, so you know your real number, your real program, and your real monthly payment including the Missouri assessment math before you tour a single house.
Need an agent too?
Zach handles financing only. Showings, offers, negotiation and the listing side route to a licensed partner agent in your market, at no cost to you for the introduction. Tell us which side of the state line you are shopping and we will connect you with the right one.
Request an IntroductionBrowse active listings. Search Missouri homes, then send any address for a same-day payment breakdown. Already found one? Send the address before you write the offer. You will get the county's assessment history, the estimated escrow figure, and confirmation of which program fits, at no cost and with no credit pull.
For Sale By Owner
Buying or Selling a FSBO Home in Kansas or Missouri?
Zach Brown is a preferred mortgage partner for FSBO.com in Missouri and Kansas. That means two concrete things depending on which side of the deal you are on. Neither one costs you anything.
If You Are Selling
$99 off your FSBO.com listing
Sign up through the preferred-partner invite link and $99 comes off at checkout. You are already keeping the commission by selling it yourself. This is $99 on top of that.
- Starter planStays free
- Plus plan
$99Free - MLS plan
$399$300
If You Are Buying
The letter FSBO sellers accept
Most FSBO sellers will not take an offer backed by a screenshot from a rate calculator. They want a fully underwritten pre-approval letter from a credentialed local lender. Most of those turn around in 24 hours here, and it is the same letter whether the home is listed or sold by owner.
FHA, VA, USDA, conventional, jumbo and bridge all work on a FSBO purchase. Nothing about buying direct from the owner changes your program options.
Affiliated Business Arrangement Disclosure. DreamLux Home Loans is a DBA of NEXA Lending, LLC. NEXA Lending, LLC and FSBO.com share common ownership. Because of that relationship, referrals between the two may provide a financial or other benefit. You are not required to use FSBO.com to obtain mortgage financing from DreamLux Home Loans, and you are not required to use DreamLux Home Loans to list a property on FSBO.com. There are other providers available and you are free to shop for the best services and rates. Discount amounts and plan pricing are set by FSBO.com and are subject to change.
Missouri Mortgage FAQ
Questions Missouri Buyers Ask Before They Apply
01
Who has the most competitive mortgage rates in Missouri?
No single lender, and any page that names one is selling something. Pricing moves daily and depends on your credit, down payment, property type and program. A broker's job is to price the same file across many wholesale lenders on the same day. DreamLux does that across 280+ and shows you the result before you commit.
02
Do you offer bank statement or self-employed mortgage loans in Missouri?
Yes, statewide. Self-employed borrowers qualify on 12 or 24 months of business or personal bank statements instead of tax returns, and 1099 and profit-and-loss options exist for contractors and newer businesses. These are non-QM loans, so pricing and down payment run higher than conventional, which is why the file is priced across several lenders first.
03
Can I do an FHA Streamline, VA IRRRL or rate-and-term refinance in Missouri without an appraisal?
Often, yes. FHA Streamline and VA IRRRL refinances are built to skip the appraisal and most income documentation when the loan is current and the payment drops. Conventional rate-and-term refinances can receive an appraisal waiver from the automated underwriting system on strong files. Missouri charges no mortgage tax on the refinance, only county recording fees.
04
How does MHDC work in Missouri?
MHDC is the Missouri Housing Development Commission, the state's housing finance agency. It funds below-market first mortgages through certified lenders and pairs them with an optional 4% second loan for down payment and closing costs. First Place serves first-time buyers and veterans; Next Step serves repeat buyers at higher income limits. You apply through a certified lender, not MHDC directly.
05
Do I qualify for an MHDC First Place loan?
Likely, if four things line up. You have not owned a home in the prior 3 years (veterans are exempt), your household income is under the limit for your area, the purchase price is under $566,354 non-targeted, and your credit score is at least 640, or 660 for a manufactured home. Debt-to-income runs up to 45% to 50% depending on the loan type.
06
What are the MHDC income limits for 2026?
Effective May 1, 2026: Kansas City MSA $113,400 for 1 to 2 persons and $130,410 for 3 or more; St. Louis MSA $113,500 and $130,525; all other areas $97,100 and $111,665. Targeted areas and Next Step use higher limits, up to $158,900 for a St. Louis household of three. Columbia and Jefferson City have their own MSA figures.
07
What is the FHA loan limit in Missouri for 2026?
$541,287 for a single-family home, in all 114 counties and St. Louis City. Missouri has no high-cost county, so St. Louis County, Jackson County and Boone County share the same ceiling. The conforming limit for conventional loans is $832,750; above that a purchase is a jumbo file, where pricing across many lenders matters most.
08
What credit score do I need to buy a house in Missouri?
It depends on the program. FHA allows 580 with 3.5% down and 500 to 579 with 10% down. Conventional loans generally start at 620. MHDC First Place and Next Step require 640. VA sets no minimum, though most lenders look for 580 to 620. USDA files usually need 640 for automated approval. A lower score changes the pricing, not always the answer.
09
Does Missouri have a real estate transfer tax?
No. Missouri's constitution prohibits a tax on the sale of real property, so buyers and sellers pay county recording fees, title and settlement charges and prepaids only. The ongoing cost to plan for is property tax: assessed at 19% of market value, reassessed in odd-numbered years, with the escrow change arriving the following January.
10
Is the Missouri Mortgage Credit Certificate available in 2026?
It is paused for new applications as of January 1, 2026. The MCC returned 25% of annual mortgage interest as a federal tax credit for the life of the loan. MHDC does not currently list it among active programs. Buyers who were counting on it should look at the First-Time Homebuyer Savings Account deduction and lender-paid closing cost structures instead.
11
What parts of Missouri are USDA-eligible?
Most of the state outside the metro cores. The Ozarks, north Missouri and most Mid-Missouri towns qualify, including Ashland inside city limits. Kansas City, St. Louis, Springfield, Columbia and Jefferson City cores do not, but eligibility often begins a few miles out. Household income must sit under the USDA limit for the county, and the address decides, not the town name.
12
Can DreamLux Home Loans close anywhere in Missouri?
Yes. NEXA Lending, LLC (NMLS #1660690) is licensed by the Missouri Division of Finance for all 114 counties and the City of St. Louis, and Zach Brown (NMLS #2156538) originates statewide. Closings are handled at any Missouri title company you choose, in person or by mobile notary, so a buyer in Joplin or St. Joseph gets the same process as one in Columbia.
13
Which loan programs does DreamLux Home Loans offer in Missouri?
Nine core programs plus three supporting ones. Conventional, jumbo, one-time-close construction, physician home loans, DSCR investor loans, FHA Streamline, VA IRRRL and rate-and-term refinance, bank statement and self-employed loans, USDA and FHA. Supporting: VA purchase loans, HELOC and MHDC down payment assistance. Every one is placed across 280+ wholesale lenders rather than one bank's menu.
More Markets We Serve
Serving All of Missouri & Kansas
Licensed Statewide
Kansas Mortgage Lender
The Kansas side of the footprint, where the assessment ratio drops to 11.5% and the statewide DPA program excludes Johnson County.
Kansas Loans →
Missouri & Kansas
Kansas City Metro
Both sides of the state line, with the escrow math and the earnings-tax line in one place.
KC Metro Loans →
Every Market We Serve
All Missouri & Kansas
Mid-Missouri, the Lake, St. Louis, Kansas City and the Kansas suburbs in one index.
All Markets →
DreamLux Home Loans'
Today's Missouri Wholesale Mortgage Pricing
Live pricing from hundreds of lending partners.
No SSN or hard credit pull required to explore initial options.
No Credit Impact
Soft pull only to review your options
Prompt Response
Rate quote delivered within hours
280+ Wholesale Lenders
We compare wholesale loan and rate options for your scenario
Third-Party Verified Reviews
Collected and verified by Experience.com, from Missouri and Kansas clients
Zach Brown
Mortgage Loan Officer • NMLS #2156538
NEXA Lending, LLC • (573) 301-4422
DreamLux Home Loans is an Equal Housing Lender • NMLS #2156538 • NEXA Lending, LLC
Rates subject to change. Not a commitment to lend.
Client Reviews · Missouri
What Missouri Homebuyers and Homeowners Say
Purchases and refinances closed across Columbia, Jefferson City, the Lake of the Ozarks, Kansas City and St. Louis. Collected and verified by a third-party platform, not written here. Collected and verified by a third-party platform, not written here.
Reviews are collected and verified by a third-party platform. Individual results vary. Loan approval depends on credit, income, assets and property, and is never guaranteed. Verify NMLS #2156538
Zach Brown, Missouri Mortgage Lender
NMLS #2156538 · DreamLux Home Loans, a DBA of NEXA Lending, LLC ·
(573) 301-4422 ·
zbrown@nexalending.com
Monday through Friday, 8am to 8pm CT
Saturday and Sunday, 10am to 6pm CT
Monday through Friday, 8am to 8pm CT
Saturday and Sunday, 10am to 6pm CT
Zach Brown | NMLS #2156538 | DreamLux Home Loans, a DBA of NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender | Licensed in Missouri & Kansas
This page is for informational purposes and is not a commitment to lend, a loan approval, or an offer of credit. All loans are subject to credit approval, income and asset verification, property appraisal, and program guidelines, which can change without notice. Loan limits, assessment ratios, reassessment schedules, earnings tax rules and down payment assistance program terms are set by federal agencies, the State of Missouri, counties, cities and the Missouri Housing Development Commission and are subject to change; verify by address. Verify licensing at NMLS Consumer Access.
