Loan types
Both can work for first-time buyers. Down payment, mortgage insurance, property condition, and credit profiles differ. Compare written estimates.
This is not a recommendation of either product. Ask lenders how MI, upfront fees, and minimums apply to your file. Property condition can matter for FHA appraisals.
MoJo helps you understand how loan type can affect offer competitiveness and repair conversations — we do not choose your loan.
Search, showings, negotiations, inspections, and closing coordination. MoJo is not a lender and does not set rates, approve loans, or run DPA programs.
Compare Loan Estimates. Ashley Jones (NMLS 1739681), First State Bank Mortgage, is an optional preferred review partner — not required. No promised rates.
Compare her Loan Estimate against others. MoJo does not require any lender.
Start Ashley’s FSB application
First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Equal Housing Lender. Authorized to lend in all 50 states. Not a loan commitment. All loans subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions can change without notice. Restrictions may apply.
MoJo for KS/MO representation. Straight answers on process, neighborhoods, and offers — no rate hype.
(816) 268-6068