Navigating a mortgage shouldn't feel like a solo journey. With Dave Rohlfing Jr., you get a local, experienced partner who treats your homeownership dream like his own.
Dave Rohlfing Jr. isn't a faceless call center. He's a Cottleville-based mortgage professional who understands the unique character of St. Charles County — from the historic charm of downtown St. Charles to the family-friendly neighborhoods of O'Fallon and Wildwood.
Whether you're a first-time buyer feeling overwhelmed, a veteran exploring your VA benefits, or a seasoned investor looking to expand your portfolio, Dave brings clarity, patience, and a genuine investment in your success. Your home isn't just a transaction — it's the foundation of your next chapter.
Personal Attention
You work directly with Dave — no middlemen, no runaround.
Fast Turnaround
Pre-approval letters and closing docs, delivered on time.
Community Rooted
Locally based, deeply familiar with area schools and neighborhoods.
Tailored Solutions
Loans crafted to your situation — not a one-size-fits-all approach.
Loan Programs
Every path to homeownership has a place here
From your first home to your next investment, Dave offers a full range of mortgage solutions — each one explained clearly so you can make confident decisions.
Conventional Loans
Flexible terms for buyers with solid credit. From 3% down conventional programs to jumbo loans for higher-priced properties.
3% DownFixed & ARMJumbo
FHA Loans
Government-backed loans with lower credit and down payment requirements — a great fit for first-time buyers.
3.5% DownFlexible CreditFirst-Time
VA Loans
Zero down payment for eligible veterans and service members. Your service deserves a reward that makes homeownership easier.
0% DownNo PMIVeterans
Jumbo Loans
For properties that exceed conforming loan limits. Competitive rates and flexible structures for luxury and high-value homes.
Above LimitCompetitive Rates
Refinancing
Lower your rate, shorten your term, or cash out your equity. A refinance can unlock real value from your home.
Rate & TermCash-Out
Investment Properties
Build your portfolio with financing designed for rental properties, multi-units, and fix-and-flip ventures.
Multi-UnitRental
How It Works
From first call to front door
Dave makes the mortgage process straightforward and stress-free — every step explained in plain language.
1
Free Consultation
We start with a conversation — your goals, your budget, your timeline. No pressure, just clarity.
2
Pre-Approval
Dave gathers what's needed and gets you a solid pre-approval — so sellers take you seriously.
3
Underwriting
Your file is reviewed with care. Dave keeps you in the loop and handles any questions that come up.
4
Closing Day 🎉
You sign, you get the keys, and you walk into your new home with confidence.
Client Stories
Homeowners who chose their local expert
Real feedback from real clients who trusted Dave to guide them home.
"Dave made what we thought would be a stressful process feel completely manageable. He explained every step and fought for our rate. We couldn't be happier in our new home."
M.S.
M.S.
First-Time Buyer, Cottleville
"As a veteran, I wasn't sure how VA loans worked. Dave walked me through everything patiently and got me a fantastic rate with zero down. I recommend him to every veteran I know."
R.T.
R.T.
VA Loan, St. Charles
"We refinanced with Dave and saved hundreds a month. He was honest about what was realistic and never pushed us into anything we didn't need. That means everything."
K.&J.W.
K. & J.W.
Refinance, O'Fallon
Ready to make your next move?
Whether you're buying, refinancing, or just exploring your options — a quick conversation with Dave is the smartest first step.
