Homeownership in St. Louis, MO  

By: Kiara JohnsonKiara Johnson Home Loans in St. Louis

Homeownership is a core component in establishing and living the American Dream. Whether you are a first-time homebuyer, moving up/down, renovating, or become an investor, you need to have a game plan in place to ensure the most stress-free process as possible.
Many people forget the most critical step of the home buying process. They surf sites like Zillow,, and Red Fin browsing homes but have NO real idea of which route to go. 

The #1 step for purchasing ANY real estate is to talk with your lender. Your lender will be one of the most valuable people in the process. Your lender can give you insight on what price range you should be looking in, estimated payment to make sure you’re comfortable, or even what to expect during the process. The lender will also give you direction based on your desired goal. 

If you are a first-time homebuyer, your lender will discuss low down payment options along with any assistance that may be available. If you are looking for a renovation loan, your lender may advise you to set a general contractor in place to oversee the project. If you are looking to move up, your lender may inform you of the infamous Power Plus loan that allows you a 5% down payment with NO PMI. This is a step that is often overlooked but most necessary.  Your lender is your friend ☺ If you need help finding a lender, call me, I know the perfect one!

If you would like more information or have any questions, comments, or concerns, please reach out to Kiara Johnson, NMLS# 869292 directly at or 314-568-6389.