Mortgage Loan Officer
Angelia Childs
Mortgage Loan Officer
NMLS# 773265
314.505.8001
Connect with Angelia
angelia.childs@usbank.com
314.505.8001
314.974.5658
Connect when its convenient for you. Request a call.
Ready to apply? Start your application.
ApplyAbout me
You deserve the best, and going through the home financing process is no exception. As a mortgage professional, I know how stressful this process can be, which is why I will do everything I can to assist you. Contact me at 314.505.8001 to learn more about how I can help guide you through the home buying process.
Connect with Angelia
- angelia.childs@usbank.com
314.505.8001
314.974.5658
Connect when its convenient for you. Request a call.
Ready to apply? Start your application.
ApplyExplore more
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Today’s mortgage rates in Missouri.
The rates below assume a few basic things:
- You have very good credit (a FICO credit score of 740+)
- Your loan is for the purchase of a single-family home as your primary residence
Rates are current as of
See rates for other states.
Compare current mortgage rates.
Conventional fixed-rate mortgages
| Term | Rate | APR |
|---|---|---|
| 30-year fixed | ||
| 20-year fixed | ||
| 15-year fixed | ||
| 10-year fixed |
Adjustable rate mortgages
| Term | Rate | APR |
|---|---|---|
| 10-year ARM | ||
| 5-year ARM | ||
| 3-year ARM |
FHA mortgages
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - FHA | ||
| 15-year fixed - FHA |
VA mortgages
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - VA | ||
| 15-year fixed - VA |
Jumbo mortgages
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - jumbo | ||
| 20-year fixed - jumbo | ||
| 15-year fixed - jumbo |
Angelia Childs
Mortgage Loan Officer
NMLS# 773265
314.505.8001
- angelia.childs@usbank.com
314.505.8001
314.974.5658
Connect when its convenient for you. Request a call.
Ready to apply? Start your application.
ApplyToday’s refinance rates in Missouri.
The rates below assume a few basic things:
- You have very good credit (a FICO credit score of 740+)
- Your loan is for a single-family home as your primary residence
Rates are current as of
See rates for other states.
Compare current refinance rates.
Conventional fixed-rate refinance loans
| Term | Rate | APR |
|---|---|---|
| 30-year fixed | ||
| 20-year fixed | ||
| 15-year fixed | ||
| 10-year fixed |
Adjustable rate refinance loans
| Term | Rate | APR |
|---|---|---|
| 10-year ARM | ||
| 5-year ARM | ||
| 3-year ARM |
FHA refinance loans
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - FHA | ||
| 15-year fixed - FHA |
VA refinance loans
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - VA | ||
| 15-year fixed - VA |
Jumbo refinance loans
| Term | Rate | APR |
|---|---|---|
| 30-year fixed - jumbo | ||
| 20-year fixed - jumbo | ||
| 15-year fixed - jumbo |
Angelia Childs
Mortgage Loan Officer
NMLS# 773265
314.505.8001
- angelia.childs@usbank.com
314.505.8001
314.974.5658
Connect when its convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage calculator
Use our mortgage calculator to help you better understand your home financing options.
Angelia Childs
Mortgage Loan Officer
NMLS# 773265
314.505.8001
- angelia.childs@usbank.com
314.505.8001
314.974.5658
Connect when its convenient for you. Request a call.
Ready to apply? Start your application.
ApplyReviews
Angelia Childs
Mortgage Loan Officer
NMLS# 773265
314.505.8001
- angelia.childs@usbank.com
314.505.8001
314.974.5658
Connect when its convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage FAQs
Get answers to your questions regarding home financing, refinancing and more.
FHA loans
A Federal Housing Administration (FHA) loan is a government-backed loan that’s insured by the Federal Housing Administration. FHA loans typically have lower credit and down payment requirements for qualified home buyers. For example, the minimum required down payment for an FHA loan is only 3.5% of the purchase price.
If you’ve decided a Federal Housing Administration (FHA) loan may be right for you and you meet the general qualifications, including:
- Down payment amount – FHA loans require a minimum down payment of 3.5%.
- Credit score – The minimum credit score needed to qualify for a mortgage is generally around 620, however, FHA loans typically have lower credit requirements.
- Property requirements – The home must be used as your primary residence, should protect the health and safety of the residents and the safety of the property, and should not have physical deficiencies or conditions affecting its structural integrity. An FHA-approved appraiser must appraise the home.
You can start your application on your own, or with the help of your mortgage loan officer, who can work with you to see if you qualify for a FHA loan.
Federal Housing Administration (FHA) loans are available to all qualified buyers, regardless of income level. They often have more flexible lending requirements than conventional loans. All FHA loans require mortgage insurance which protects the lender against any loss if mortgage payments are missed. To learn more about how FHA loans work, speak with your mortgage loan officer.
VA loans
A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.
Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.
Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.
There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:
- Purchase a home with a VA loan and then sell it to buy another home with a new VA loan.
- Refinance an existing VA loan into another.
- Have two VA loans for two different homes at the same time.
For more information on VA loans, speak with your mortgage loan officer.
Conventional fixed-rate loans
A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.
A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.
Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.
Angelia Childs
Mortgage Loan Officer
NMLS# 773265
314.505.8001
- angelia.childs@usbank.com
314.505.8001
314.974.5658
Connect when its convenient for you. Request a call.
Ready to apply? Start your application.
Apply