First State Bank of St. Charles, Saint Charles, MO
Saint Charles, MO
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have se... Show More
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We just finished a refinance and couldn't be happier. Chris a true advisor. He takes the time to explain what is best for our personal goals. He handled all the complex work on his end. Kept us updated every step of the way. If you want a stress...
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Reply from Chris Stecher
January 28th, 2026 06:00 PM
I enjoyed working with you. Thanks for the great feedback.
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Phil is always super responsive and knowledgeable about the current marketplace, the process, and all the details. He provides excellent guidance at every step. Love working with him. He's quite simply the best!
Reply from Phil Scaglia
January 28th, 2026 04:18 PM
It was great working with you. Thanks again for putting your trust in us.
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Rick made this process easy and painless! We will definitely recommend him to anyone we know looking to buy!
Reply from Rick Whisman
January 23rd, 2026 03:12 PM
Jessica, thanks so much for your consideration in trusting your business with me. I value your input.
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Beau made it happen!
Reply from Beau House
January 28th, 2026 03:08 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
I trust Chris to find the best loan to meet my needs. He's very easy to work with and explains the process well so I can easily understan.
Reply from Chris Stecher
January 28th, 2026 09:32 PM
I really appreciate the feedback and am looking forward to working with you again.
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Chesterfield
Chris StecherWe just finished a refinance and couldn't be happier. Chris a true advisor. He takes the time to explain what is best for our personal goals. He handled all the complex work on his end. Kept us updated every step of the way. If...
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Reply from Owner
February 7th, 2026 12:00 AM
Thank you for the great review, Ryan! We’re so glad to hear you had a stress-free refinance experience with Chris. We appreciate your trust and kind words!
Phil is always super responsive and knowledgeable about the current marketplace, the process, and all the details. He provides excellent guidance at every step. Love working with him. He's quite simply the best!
Reply from Owner
August 29th, 2025 12:00 AM
We appreciate your review, Becky!
Process went smooth...Happy with everything, top notch service
Reply from Matt & Betsy Maassen
January 27th, 2026 06:21 PM
Thank you for the positive review. If you need anything, please give me a call.
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Extremely knowledgable and responsize
Reply from Mindy Primm
January 22nd, 2026 10:43 PM
Thank you for your trust and the opportunity to assist you with this next chapter. I am always here for you if you need anything. Best Wishes!
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Prompt responses.
Reply from Julie Sun
January 27th, 2026 04:09 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
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About
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have served the lending needs of our community with integrity and a dedication to excellence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Our Company
Time Zone
Central Standard Time (CST)
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