The difference between us and other lenders? We work for you because we’re owned by you. The result is a mortgage that keeps your home affordable.
- Competitive Rates1
- Free Pre-Approval
- Refinancing Available
- Competitive rates for home purchase, refinance, or construction1
- Available for primary residence, second homes or vacation homes
- A wide range of terms customized to your unique situation
- Variety of financing programs available:
- Fixed-rate mortgages
- Adjustable rate mortgages (ARMs)
- USDA Rural Housing Loans
- FHA Loans
- Jumbo home loans
- Free pre-approval for extra confidence when buying your home
- Refinance your current home to potentially lower your rate
- $500 toward closing costs with a qualifying Home Buyer Club
- Helpful loan advisors with working knowledge of the Greater St. Louis real estate market
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Already have a mortgage with Electro? Access your mortgage account and make a payment.
To Get Started
Home Buyers Guide
Buying or selling a home is one of the most important financial decisions of your life. We want to help you get there. Discover everything you need to know about finding, buying and financing a place you'll love, with a payment you can afford.
For most, our home is one of the biggest factors in our budget. Make sense of homeownership to help you make the best decision for you and your family when it comes to purchasing or refinancing a home.
1Membership eligibility applies.