Mortgage

• 1^st Time Homebuyer Program
• HomeOne 97% LTV conventional Loans
• HomePossible
• HomeReady
• Home Renovation Loan products
• Jumbo Loans

• Portfolio Financing
• United States Department of Agriculture (USDA)
• Veterans Affairs (VA)
• Adjustable Rate Mortgages (ARMs) in 3, 5, 7, and 10-year increments
• Bridge Loan options *

• Construction-to-permanent Loans
• Conventional
• Down Payment Assistance programs
• Federal Housing Administration (FHA)
• Home Equity Lines of Credit

Financial Calculators

We offer a variety of calculators to assist in preparation for you and your home.

Education Center

Whether you’re a first-time homebuyer or looking to refinance your existing mortgage, Fortune will ensure that your home loan experience is clear and simple.

Dan Kraus

Vice President of Mortgage Loan Origination

Dan Kraus brings more than two decades of mortgage industry experience to his role as Vice President – Producing Sales Manager at Fortune. Dan prides himself on his solution-oriented approach, which helps him build strong and lasting relationships with clients.

Dan is a graduate of Missouri State University. He has worked in leadership roles at financial institutions across the St. Louis area, with strong experience in loans and mortgages. As a previous small business owner and lifelong St. Louis resident, Dan understands the unique needs of families and businesses in our region. Contact Dan and let him put his experience to work for you.

Jack Bailey

Senior Mortgage Loan Originator

I am a dedicated mortgage professional with the experience to help a wide range of people navigate the complex mortgage process. My main focus is to give all my borrowers the best possible experience with a very personal touch.

Joe Bullard

Senior Mortgage Loan Originator

Home Loans Made Easy.

As a mortgage professional with over 24 years of lending experience, Joe has extensive knowledge of the financing programs you need to purchase or refinance your home.  In Joe’s words, “You think about home financing a few times in your life-I think about it every single day!”

Joe is available 24 hours a day, 7 days a week to answer any of your financing questions.

Please do not hesitate to give Joe a call today to discuss your options, and help you get the best loan to fit your needs!

Marge Gipperich

Senior Mortgage Loan Originator

Providing families with fair and gentle mortgage guidance is important whether it’s your first home or your last. My commitment to consistently honor my word reflects my integrity and values. I am rewarded with long lasting relationships that continue to provide me with referral business. I have more than 25 years of experience and confidently structure loans customized for each of my borrowers. I believe in educating you and then allowing you to make the right decision. Choosing the right mortgage is as important as choosing the right home! Whether you are a first-time homebuyer or an experienced pro, please allow me the opportunity to help you through the process. I have experience with Conventional, FHA, VA, USDA, and Jumbo loans. Ask me about down payment assistance and refinance opportunities, as well, so we can work together to match your mortgage with your future financial plans.  I look forward to meeting you!

Tina McWard

Senior Mortgage Loan Originator

Whether you’re a first-time homebuyer or a returning customer, Senior Loan Mortgage Originator Tina McWard understands your needs. Tina has 18 years of mortgage loan experience and has worked with all types of homebuyers. She began her mortgage-lending career at Pulaski Bank in 2001, eventually transitioning into a role as Vice President. After working at Pulaski Bank for 11 years, Tina worked as a Senior Mortgage Banker at both First State Bank and Flat Branch Mortgage.

A recent addition to the Fortune team, Tina values the opportunity to provide solution-oriented service to referral partners and clients. Tina is glad to be a part of Fortune’s continued success, and of promoting economic growth in the St. Louis region.

Audrey Poursine

Senior Mortgage Loan Originator

Audrey brings to Fortune 36 years of experience in the mortgage industry. Audrey got her start as a realtor and quickly found her niche in mortgage lending. If you want to purchase a home, refinance your existing home or purchase your second home, you can depend on Audrey to guide you through the process and keep you advised all the way through. Yes, there are a lot of rules, but she can and will make the process as smooth as possible. Mortgages at Fortune are started and finished in our office. Our expert team of Managers, processors, underwriters and closers are second to none in experience and knowledge of all available loan programs. The Fortune team is considerate of your situation and time. Please contact Audrey for any of your mortgage needs.

Nick Scheitlin

Senior Mortgage Loan Originator

As a Senior Mortgage Banker with Fortune, I offer over 8 years of mortgage lending experience. I also have been a CPA and partner for over 10 years in a public accounting firm. I understand the importance of customer service, meeting deadlines, and communication. My main focus is to align your mortgage with your personal financial objectives, whether on a home purchase or home refinance. Having lived in Missouri all my life I look forward to building new financial relationships and being your trusted adviser for life. To add, I graduated with a Business and Accounting degree and have a MBA from Lindenwood University and also achieved my CPA State License. I look forward to being your trusted Lender!

See what Nick’s clients had to say…

Nick helped me refinance the house I owned. I have recommended Nick to others and would suggest anyone giving Nick a chance to help you out. You will not regret it. Nick has the knowledge and is willing to share what he knows to the benefit of others.

We have worked with Nick on refinancing our mortgage on a few occasions and wouldn’t think of going with anyone else. He is very professional, responsible and trustworthy and always made the process an enjoyable one. We are saving hundreds every month now and much more in interest over the term of our mortgage. I recommend Nick Scheitlin to all of my friends and family and do so with complete confidence.

The entire process was painless and seamless. Nick adds the financial insight necessary, when making a big personal finance decision. I would certainly recommend Nick Scheitlin to all my friends and family.

I cannot express my gratitude for your hard work pushing this all through to the end for us! I was a very discouraged home shopper until I came in contact with you. You turned it around and with your help I was able to buy the home I had been searching for! I am very excited to call this place my own! I will certainly pass your information along to all of my friends and family searching for homes in our area or needing to refinance.

Thanks so much Nick. Everything went smoothly and quickly. Closing was less than 20 minutes. Thanks for making this process so easy and getting my mortgage lowered! It is a huge relief! I will be sure to pass on your info if I hear of anyone ready to refinance.

Trina Wright

Senior Mortgage Loan Originator

Trina Wright’s career in mortgage lending spans 24 years. She prides herself on building meaningful relationships with her customers and taking care of their needs in an honest and thorough way. Because of this, Trina has customers who have trusted her for 20 years, and those meaningful relationships have allowed her to thrive in the mortgage industry.

Prior to joining the Fortune team as a Senior Mortgage Loan Originator, Trina worked as a Loan Originator for Flat Branch Mortgage, First State Bank, and Pulaski Bank. Trina aspires to make sure that Fortune’s mortgage division offers customers both the best mortgages and a gratifying home loan experience.

Josh Warren

Mortgage Loan Officer

Josh is a knowledgeable Banker with nearly 20 years’ experience working for some of the largest financial institutions in the world and boutique startups. Josh found a home with Fortune in 2014. With his diverse background in a variety of banking positions, Josh is uniquely qualified to provide his customers with advice for construction projects, new home purchases and refinances as well as partnering with some of the best insurance agents and real estate brokerage agents in the area. 

After graduating from the University of Missouri Columbia, he returned to St. Louis to start a family and career. While he and his wife were beginning to raise their two daughters, he furthered his career by earning a Master of Business Administration from Webster University. Through the challenging years of bank consolidation, Josh had the opportunity to learn commercial lending, construction lending, as well as mortgage banking. His diverse background and professional skills make him an exceptional partner for new and experienced borrowers alike. 

Jean Kavanaugh

Mortgage Loan Officer