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Michael Biales

Michael Biales

RCS-D l Loan Officer

17280 N Outer 40 Rd, Suite 101, Chesterfield, MO 63005
(314) 400-6385 ext. 54771
Own what matters
Own what matters

About Me

Michael Biales is a Senior Mortgage Banker with over 15 years of experience in the finance industry. Prior to joining the mortgage industry, he spent five years of his career on the commercial lending side of the business. Michael graduated from the University of Missouri – Columbia with a B.S. in Business Administration and an emphasis in Finance, Banking, and Real Estate.

Growing up, Michael frequently helped his dad with various home renovation projects and as a result isn’t afraid to get his hands dirty. When it came time to purchase his first home, Michael bought a charming fixer-upper in University City and currently resides there with his wife (Melissa), son (Gibson), and daughter (Parker). Michael has also lived in four states and five cities across the U.S., and as such, understands the stresses involved in purchasing a home and moving. It is because of his experiences that he treats every client like family.

Michael has been certified as a Mortgage Planning Specialist and currently holds the Real Estate Collaboration Specialist-Divorce designation. As such, Michael has a complex understanding of how different mortgage strategies impact all aspects of his clients’ financial wellbeing. He uses his knowledge and expertise to educate his clients because he believes that their mortgage is not only a debt, but a valuable tool to help them achieve their personal and financial goals. Honesty, integrity and excellent communication throughout the loan process are the reasons that his clients and referral partners trust Michael.

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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.



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

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.


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.

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4.92 out of 5.0 stars
Jun 21, 2023

As a first time home-buyer, Michael made the process SO smooth and enjoyable! He is knowledgeable, personable, supportive, and just a great person to work with! He took the time to call me regularly with updates, to have a real conversation to find out about my wants and needs in a home, to answer any questions I had, and to give me information that I needed. He made the process of buying my first place so smooth! He made a point of being present at my closing. I didn't know how big of a deal that was until we were there. The level of care and security I felt working with Michael was amazing! I always heard about the "scary" tales of buying and closing on a home, but my experience working with Michael was the total opposite. I was comfortable, assured, supported and I genuinely felt like Michael had my best interest at heart every step of the way. I never felt overwhelmed, alone, or unsupported. I'm thrilled to be able to say in all honesty that my first time buying a home was a pleasant experience. Thank you so much Michael for making it easy! You were a blessing!
May 08, 2024

Michael Biales is the best loan officer in St. Louis. Period. I met hundreds of loan officers while working at a previous job building technology for the mortgage industry. Mike is the only one I send friends and family to, and the only one I trusted to handle my own loan.
Mar 03, 2024

We recently purchased a new house and Michael Biales with Guild Mortgage was our Loan Officer. From our first meeting with Michael we were completely at ease and knew that we had found the right person to work with during the loan process. Michael and everyone in his office were very informative, courteous and kind. They were very responsive in their communication with us and they made sure that we understood every step of this process. We highly recommend Michael Biales!
Oct 11, 2023

Expert communicator and very professional & kind. No one I would rather work with!
Sep 25, 2023

Very communicative
Sep 25, 2023

Clear, consistent and proactive communication

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NMLS ID #770504
I am authorized to do business in the states of Illinois, Kansas, Missouri and Tennessee. (;