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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West Clay
West Clay has received a review with 5 star rating from Greg W
Reply from Owner
February 2nd, 2026 12:00 AM
Thank you, Greg, for the 5 stars! We appreciate your confidence in our team and First State Bank Mortgage.
Annette is incredible! She had the communication and she was very friendly and great to work with overall. I will highly recommend Annette to everyone.
Reply from Annette Bealmear
December 29th, 2025 08:03 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
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Bản dịch tiếng Anh:
Kim is truly an amazing person. She not only helped me with the paperwork, but also showed deep empathy and provided emotional support. Her help has opened a new future for my entire family.
Reply from Kim Schultz
December 21st, 2025 09:33 PM
Thank you so much Tra & Nga! It was truly a pleasure working with you both and appreciate the opportunity SO much! Wishing you all the best!
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Brad is very patient and explained the process very clearly. This is the third time we have used Brads services and never disappointed.
Reply from Brad Fink
December 26th, 2025 06:17 PM
I enjoyed working with you on your home refinance. Thanks for the great feedback.
i have worked with many loan officers in my life. Buying residentical and commercial real estate. Melissa is a professional that is able to smooth out the inevitable bumps that happen in every sale. The ultimate goal is to get the deal closed,...
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Reply from Melissa Maxwell
December 26th, 2025 04:00 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
Doreen was so helpful when it came to getting a loan for our first home. She was easy to and communicate with. I would highly recommend to anyone I know who is looking for a loan
Reply from Doreen Hansen
December 26th, 2025 03:08 PM
I really appreciate the feedback and look forward to working with you again.
You guys made everything so simple and easy, thank you so much we love our new house!!
Reply from Doreen Hansen
December 26th, 2025 03:02 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
for
West Clay
If you are able to use them as your lender for a mortgage, ask for Annette. She’s amazing to have on your side.
Reply from Owner
January 2nd, 2026 12:00 AM
Thank you, Ali! We truly appreciate your kind words. Annette is a wonderful advocate for her clients, and we’re so glad you had a great experience working with her.
for
Chesterfield
I worked with Ron Ruzicka as a first time home buyer. Ron came highly recommended to me by three different people who had worked with him previously, but I was still nervous about everything that comes with buying a new (and first!) house....
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Reply from Owner
January 7th, 2026 12:00 AM
Jane, thank you so much for the kind review! We’re thrilled to hear that Ron helped make your first homebuying experience a smooth and positive one—especially with such a quick closing timeline. Clear communication and honesty are so important,...
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Randy Robinett has received a review with 5 star rating from Elizabeth B
Reply from Owner
January 2nd, 2026 12:00 AM
We appreciate the 5-star review, Elizabeth! Thank you for trusting us—we’re grateful for the opportunity to serve you.
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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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