Serving St. Charles County & Greater St. Louis

Your rate shouldn't be a mystery — it should be your advantage.

I help homebuyers and refinancers in O'Fallon and across the St. Louis metro lock in competitive rates with full transparency — no last-minute surprises, no rate locks that expire without warning.

Request a Rate Quote (618) 779-3031

15+

Years Experience

500+

Families Served

A+

BBB Rating

4.9★

Google Reviews

Loan Programs

Mortgage solutions built around your situation

Every borrower is different. That's why I work with a full suite of loan programs — from conventional to government-backed — so you can find the exact fit for your goals and budget.

First-Time Buyers

Low down payment options, down payment assistance programs, and guidance through every step — from pre-approval to closing day.

Refinancing

Lower your rate, shorten your term, or cash out equity — I'll run the numbers honestly so you know exactly what you'll save.

Conventional Loans

Flexible terms for qualified borrowers — from 97% LTV programs to jumbo loans for higher-priced homes in the St. Louis market.

FHA Loans

Lower credit score thresholds and minimal down payments make FHA a smart choice for many St. Charles County buyers.

VA Loans

Zero down payment, no PMI — I help veterans and active-duty service members get the benefit they've earned.

Jumbo Loans

For properties that exceed conventional conforming limits — competitive rates and flexible underwriting for luxury homes.

About Cara

A local lender who actually answers the phone.

Most people think mortgage lending is all about rates. It's not. It's about timing, communication, and someone who will tell you when a loan program isn't the right fit — even if that means fewer fees for them.

I've spent over a decade helping families in O'Fallon, St. Charles County, and the greater St. Louis area navigate one of the biggest financial decisions of their lives. I know these neighborhoods, I know these lenders, and I know how to get your file to closing without unnecessary delays.

When you work with me, you get a dedicated loan officer — not a call center. I respond to calls, I explain the fine print, and I don't disappear during escrow.

NMLS #1145645

Guaranteed Rate

O'Fallon, IL

15+

Years helping
St. Louis families

How It Works

From pre-approval to closing in five clear steps

No hidden steps, no surprises. Here's exactly what to expect when you work with me.

Pre-Approval

Tell me your goals and budget. I'll pull your numbers and get you a clear pre-approval letter within 24 hours.

Rate Lock

We'll discuss your options and lock in your rate when it makes sense — no guessing, no pressure to rush.

Underwriting

I handle the paperwork and coordinate with underwriters so you don't have to chase down documents.

Clear to Close

Once underwriting clears your file, I'll walk you through the closing disclosure line by line before you sign.

Closing Day

You get your keys. I'll be there to make sure everything matches the numbers we agreed on.

Client Stories

What St. Louis homeowners are saying

"Cara made what we thought would be a stressful process feel completely manageable. She walked us through every option and helped us understand exactly what we were committing to. We closed in 32 days — faster than we expected."

M&J

Michael & Jennifer T.

First-Time Buyers · O'Fallon

"I refinanced my home two years ago and saved over $200 a month. Cara was upfront about everything — no hidden fees, no rate-bump surprises. I recommend her to anyone looking to refinance in the St. Louis area."

David R.

Refinance · St. Charles

"As a veteran, I needed someone who understood VA loans and cared about getting me the best deal. Cara went above and beyond — she even called me on a Sunday to answer a question before closing. That's the kind of lender you hope for."

Sarah K.

VA Loan · Collinsville

Ready to find your rate?

Whether you're buying your first home, refinancing, or just exploring your options — a quick conversation with me can save you thousands over the life of your loan.

Schedule a Free Consultation Call (618) 779-3031

Get In Touch

Let's talk about your next move.

Fill out the form and I'll get back to you within one business day — or reach me directly by phone or email. No obligation, no pressure, just honest answers.

Phone

(618) 779-3031

cara.srogus@rate.com

Office

111A W State St, O'Fallon, IL 62269

Guaranteed Rate, NMLS #1145645. Cara Srogus is a licensed mortgage loan officer. All loan programs are subject to credit and property qualification. Rates and terms are subject to change without notice.

Request a Rate Quote

I'll reach out within one business day with a personalized rate estimate.

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