FAQs
Short answers. No invented rates. Roles stay split.
KC buyers can use MoJo for local representation and Ashley for lender review. Outside KC, Ashley/FSB may review lending (50 states, subject to licensing); use a licensed local agent for real estate elsewhere.
Often yes. Entitlement restoration or remaining entitlement may apply. Lender must calculate before you shop.
Not exactly. With full entitlement, VA generally does not impose a loan limit — appraisal and lender approval still matter. With remaining entitlement, county conforming limits matter (2026 baseline one-unit conforming limit $832,750 per FHFA, higher in some counties).
Sometimes — disability compensation and related official categories. Verify with docs. See the exemption page.
No.
Yes, subject to licensing, program availability, and underwriting. No promise that refinancing helps every borrower.
Search, showings, negotiations, inspections, and closing coordination in Kansas and Missouri. MoJo is not a lender and does not set rates or approve loans.
Ashley Jones (NMLS 1739681), First State Bank Mortgage, reviews VA purchase and refinance scenarios. Loans subject to approval, licensing, and underwriting. No promised rates.
Start Ashley’s FSB application
First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Equal Housing Lender. Authorized to lend in all 50 states. Not a loan commitment. All loans subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions can change without notice. Restrictions may apply.
MoJo for KS/MO representation. Ashley for lender review. Straight answers — no rate hype.
(816) 268-6068