Ann Langston
Vice President of Mortgage Lending

Hey Friends!!!

I just joined Homes for Heroes!! Contact me to learn how you can save money whey you buy, sell, or refinance your home. Heroes are Military, Firefighters, EMS, Law Enforcement, Healthcare and Teachers! I can now give a $500 credit for those clients and for military I waive the entire lender fee on VA loans! I am here to serve those who serve.

I am fantastic at figuring out how to get people into their dream home. I love to help you build your wealth with your home purchase.

VA loans are a specialty for me....I am an Air Force veteran ( Desert Storm) and a Blue Star Mother (my son is active duty in the Navy) so I love to help my fellow veterans with their loans.

I can do up to 12 month locks on New Construction loans giving you piece of mind with the rising rates.

Worried about low appraisals? Ask me about strategies to save the deal when appraisals are problematic.

We also have many programs for our first time home buyers, just ask me about down payment assistance.

Going through divorce? I am a Certified Divorce Lending Specialiast and can guide you through that tough time.

Other than my passion for helping my clients pick the right mortgage strategy for their unique situation, here are some fun facts about me.

● My 3 children and 3 grandchildren are the sunshine in my day.
● I enjoy reading on my patio overlooking the lake.
● Kayaking, swimming, and boating are great ways to spend my free time.
● I have been in mortgage for over 20years.

I am so glad we found each other!! Please reach out to me…call, text or email me. I want to get to know you and how I can bring the right financial strategy to help you achieve the greatest dream of Home Ownership.

I serve Illinois, Missouri, Kansas, Florida, Virginia, North Carolina, South Carolina, Maryland, and Texas. Guaranteed Rate is lending in all 50 states – let me know how we can help!

Helpful tools and resources
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The Best Mortgage Experience
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First-time homebuyer’s guide
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Mortgage calculators
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Loan options

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Areas served
  • St. Charles County, Mo
  • St. Louis County, Mo
  • Lincoln County, Mo
  • Madison County, Il
  • St. Clair County, Il
  • Missouri
  • Illinois
  • Virginia
  • North Carolina
  • South Carolina
  • Texas
  • Florida
  • Maryland
  • Tennessee
  • Kansas
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.