Rate shopping
CFPB tells buyers to request and review multiple Loan Estimates. Same loan amount, same timeline assumptions, then compare the full cost picture.
VA notes that buyers get VA-backed loans through private lenders and that lenders offer different rates and fees. Treat advertising as a conversation starter, not a commitment.
Direct: A lower rate with heavy points can lose to a slightly higher rate with credits. Do the math for your hold period.
Ashley Jones can produce a clear FSB Loan Estimate for comparison. MoJo does not quote mortgage pricing.
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