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Ann Langston
VP 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!

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A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
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, Inc. and are subject to change without notice. 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).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

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.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. 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.