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About me

I have been a loan officer for 25 years. I love to interact with my clients. As a mortgage loan officer, I work a lot with first-time homebuyers and have a strong knowledge of various loan programs, including FHA, Conventional, USDA and more.

The most important thing in this industry is protecting our clients. From securing their information to putting them in the right loan and price range that fits their particular situation. I act as a loan provider and advisor to his clients and love to answer questions you may have.

Outside of work I love to spend the majority of my time with my wife and family. I have 5 adult children and 7 grandchildren.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

5.0 out of 5.0 stars

5.0

Kimberly

Jul 29, 2025

Imperial, MO

Verified

Jim was very helpful at every part of the process.

Josh

Jun 24, 2025

Saint Louis, MO

Verified

Jim was understanding and willing to work with me and really helped me with my first transaction. Look forward to working with him again.

J A

Jun 24, 2025

Verified

Knowledgeable. Professional, personable, working hard to help.

John

Jun 24, 2025

Saint Louis, MO

Verified

Mr Beck was knowledgeable, very responsive, friendly, kept us informed and explained each step very well. Overall a very professional positive experienc.

Alexander

May 27, 2025

Saint Louis, MO

Verified

Jim was extraordinarily helpful through the entire process and helped me feel comfortable as a first time home buyer. I never felt out of the loop through each step of the process, and felt that I was always kept up to date and informed about what was going on.

Jill

May 27, 2025

Saint Louis, MO

Verified

Jim always does a great job

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Awards

Causes & Memberships

NMLS ID #449509

I am authorized to do business in the states of Illinois and Missouri. (www.nmlsconsumeraccess.org/);

Select from hundreds of loan products tailored to your needs

Jim Beck

Senior Loan Officer

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