Shad Lager
Senior Loan Officer | NMLS # 454659
Shad’s 17 years in the mortgage industry give him the knowledge and expertise that his clients and partners value. First-class customer service is the first priority for Shad and his team. Being able to offer industry low interest rates and... Show More
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Shad was more than wonderful until the end. I planned on sending the entire amount of the down payment on the day of signing but Chase has a limited to wire over internet and I needed to be in person. The notary and I were in my clinic's conference...
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Reply from Shad Lager
March 13th, 2026 06:09 PM
Christine, I’m sorry to hear that your closing experience left you feeling frustrated. That certainly was not my intention. Throughout the process my goal was to provide clear guidance and help keep everything on track for a successful closing....
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Reply from Shad Lager
March 9th, 2026 03:58 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Great shad was the best
Reply from Shad Lager
February 4th, 2026 03:35 PM
I really appreciate the feedback and look forward to working with you again.
Quick responses and he explained everything every step of the process.
Reply from Shad Lager
January 15th, 2026 04:50 PM
Thank you for the nice review. I enjoyed working with you on your new home purchase.
Shad and Stephanie always had a great attitude about any questions we had. They took care to keep us informed on when and what was happenin. They made this process easy!
Reply from Shad Lager
January 5th, 2026 08:04 PM
I really appreciate the feedback and look forward to working with you again.
Long process and Shad and his group were all very happy to help us thur the rough times was very sooth
Reply from Shad Lager
January 2nd, 2026 02:51 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.
The communication was excellent . Shad kepted
us infomed through all the stages of the process. Always willing to take our calls to answer any questions.
Reply from Shad Lager
December 24th, 2025 09:44 PM
Thanks for the great feedback. I hope you enjoy your new home!
N/A....:..
Reply from Shad Lager
December 23rd, 2025 03:41 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
Quick response and very knowledgeable
Reply from Shad Lager
November 18th, 2025 03:18 PM
Thanks for the great feedback. I hope you enjoy your new home!
Everything was great about our experience. Shad was very helpful with my tons of questions about the rates, etc, in the past 6+ months. The process was smooth, communication was clear, and he made sure we felt confident every step of the way....
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Reply from Shad Lager
October 27th, 2025 05:43 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
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About
Shad’s 17 years in the mortgage industry give him the knowledge and expertise that his clients and partners value. First-class customer service is the first priority for Shad and his team. Being able to offer industry low interest rates and low closing fees on an array of programs, have made repeat clients his largest referral source. Shad’s entire team is in-house- from his processor, underwriter, and closer. This allows for a smooth process and quick approval on your home financing, with no surprises. Realtors, builders, and financial advisors love working with Shad because of his professionalism, responsiveness, and availability, including weekends and evenings. Shad and his team are licensed and experienced in lending in all 50 states.
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
Specialities
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 454659
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301 Not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org