Loan Officer Profile

Jason Mickschl

Flagstar Bank, FSB

12647 Olive Blvd Suite 260 St. Louis, MO 63141
NMLS ID: 93255
Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

Senior Mortgage Loan Consultant (15 years experience) Specialties:100% VA Financing, USDA, 203K, VA IRRRL, FHA Streamline, VA 100% Cash out. Web site: We offer Conventional, FHA, VA, USDA Rural Development and small farm loans at some of the lowest rates in the industry! We offer purchase and refinance loans in all 50 states.
  • Employed by: Flagstar Bank, FSB since 2017
  • Licensed in:

Recently Answered Questions

Questions See All Answers
Bankruptcy
1

Jason's Answer

The situation after a bankruptcy is different depending on your specific circumstances. With reestablished credit 1 year into a BK 13 with on time payments and approval from the BK trustee or 2 years for a BK 7. (the exception to the BK rules is when there was circumstances beyond the control of the borrower that can be looked at on a case by case basis. (I.E. the death of a spouse that was contributing to the household financially or a major uninsured health issue are just a couple of examples that can be reviewed on a case by case basis) The next part to your situation, based just on your question, is the home you included in the Bankruptcy. Do you still live in the home? Did the home go into foreclosure after the bankruptcy? If the home went into foreclosure after the bankruptcy then you may be limited to the waiting period of a foreclosure which is generally 3 years depending on several things. It would be best to talk to a couple of loan officers very experienced to give y

When is the best time to apply for a mortgage?
0

Jason's Answer

Applying for a home loan as soon as you think you might want to buy in the next 2 to 12 months is a great idea. When a person has questionable credit or major credit issues the sooner you have a professional mortgage loan consultant review your entire situation the better off you will be. Doing this six months from when you plan on buying can make the road to buying a home much smoother then if you wait until a month or two before you actually need to be moved. ******* The web site below is the only source for your free annual credit report from ALL three credit bureaus. It is the only web site Authorized by Federal Law. It gives you access to all reported credit items from all three credit bureaus. *********************************************** If you have great credit history and high scores and your income compared to the level of monthly debt that you (i.e. car payments credit card payments school loans etc.) is high -meaning you have a lot more income coming in per mon

Ratings & Reviews

  • Loan Officer Review
    from Richmond Hill, GA
    (5 of 5)
    Recommended!
    Reviewed:

    Fantastic Job

    First of all I'm a 100% disabled vet and I had in the past tried to refinance my home and no one could seem to help me. When I called and talked to Jason he went out of his way to assist me in working on a refi so I could consolidate my bills and also home money left over to do some remodeling.We had run into some problems and I have to admire Jason because he never gave up and continued to help me until the loan was approved. I would truly recommend Jason to anyone that I talk too who needs a refi or home loan.... Read More

  • Loan Officer Review
    from Chepachet, RI
    (5 of 5)
    Recommended!
    Reviewed:

    Awesome Loan Originator

    It's been a joy working with Jason Mickschl on my wife's IRRRL refinance. He was very prompt returning emails and calls and answer any questions I may have on the loan process.

  • Loan Officer Review
    from Stafford, VA
    (5 of 5)
    Recommended!
    Reviewed:

    Review for Jason Mickschl

    Jason Mickschl was a pleasure to work with. His professional yet laid back demeanor made the process seem smooth and less stressful. Jason was responsive, attentive, and courteous. I would recommend his services to other looking for a mortgage.

  • Loan Officer Review
    from Scituate, MA
    (5 of 5)
    Recommended!
    Reviewed:

    Excellent team

    Jason and his team were excellent to work with. They were extremely responsive and always on top of everything. They had our details set and ready for early closing. We couldn't have asked for anything more.

  • Loan Officer Review
    from Bristow, VA
    (5 of 5)
    Recommended!
    Reviewed:

    Great VA Refinance Experience.

    We went with BNC because they had the best rates on a VA Refinance. Our Loan Officer, Jason Mickschl, was excellent and guided us through the process. The papers were completed in our home and we closed within 25 days of starting the process. I would recommend Jason to anyone looking for a painless refinance process.

  • Loan Officer Review
    from Florida
    (5 of 5)
    Recommended!
    Reviewed:

    Great loan officer

    We worked with Jason Mickschl on the purchase of our home back in 2012. The process and service that my wife and i received was amazing. He was there at every turn to answer our questions and help with the decisions that had to be made. We now refer all of our friends and family to him because we trust him. Thanks again for the great experience. K and J Pitts of Florid... Read More

Senior Mortgage Loan Consultant (15 years experience) Specialties:100% VA Financing, USDA, 203K, VA IRRRL, FHA Streamline, VA 100% Cash out. Web site: We offer Conventional, FHA, VA, USDA Rural Development and small farm loans at some of the lowest rates in the industry! We offer purchase and refinance loans in all 50 states.