About Aaron Emerson
For more than 20 years, Aaron Emerson has helped people navigate the mortgage process, but he has never viewed his role as simply helping someone obtain a loan. Aaron sees himself as a mortgage coach. His approach is centered on educating clients, reviewing the numbers, exploring available options, and helping them understand the potential short- and long-term considerations of each decision. Rather than telling clients what they should do, Aaron believes in providing the information and strategies they need to make an informed decision based on their individual circumstances and goals. A self-described numbers guy, Aaron approaches every mortgage by looking beyond the interest rate and monthly payment. He considers different loan programs and financing strategies while helping clients evaluate factors such as cash flow, liquidity, equity, interest costs, and their broader financial objectives. Aaron also believes that relationships will always matter more than transactions. He works closely with agents to discuss financing considerations before a client writes an offer. Together, they can review the property's price, the client's goals, available loan programs, rate options, cash requirements, and market conditions to develop a financing approach that aligns with the buyer's circumstances and the transaction. That combination of education, numbers, and strategy has contributed to Aaron's success throughout his career. But for Aaron, production is only one measure of success. The relationships he has built with clients and agents over two decades are what he values most. Aaron's background in teaching has also played a major role in shaping his approach to mortgage lending. He enjoys taking complicated financial concepts and breaking them down into information people can understand and use. He believes an educated client is an empowered client — and that the mortgage option that makes the most sense isn't necessarily determined by one factor alone, but by how the overall financing fits within the client's goals and circumstances. Today, as Vice President of Mortgage Lending with OriginPoint, Aaron is bringing OriginPoint to the St. Louis market. He is excited to combine OriginPoint's technology, products, and resources with the relationship-driven, strategic approach that has defined his career. Whether he's working with a first-time buyer, a repeat client, an investor, or an agent navigating a competitive offer, Aaron's philosophy remains the same: Educate. Run the numbers. Build the strategy. Let the client make the decision. Because at the end of the day, Aaron believes the right mortgage isn't simply about getting into a house. It's about helping clients understand their financing options and choose an approach that fits their goals for the years ahead.
*This is a loan product referral and not offered by OriginPoint.
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Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. OriginPoint LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact OriginPoint LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. OriginPoint LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by OriginPoint LLC. OriginPoint LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
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