About Cara Srogus
As a working wife and mother, I understand how important time is. That's why I make the home buying process as convenient as possible for all my buyers. Allowing my clients more time to find their dream home, instead of worrying about paperwork, is my ultimate goal. I have over 19 years of experience in the industry, as well as over 15 years in the construction industry. This knowledge helps me see and understand all aspects of your home buying process- whether a resale home or you new construction! I have three children - Cody, 17; Savannah, 15; & Mackenzie 9. They are all very active in sports and extracurricular activities. My husband of 15 years, BJ, owns a remodeling company and we both spend much of our free time attending our children's events, volunteering within the local realtor associations, home builders associations and local Chambers. My husband is also a very active member of the AINAD Shriner's. We have lived in our local community our entire lives and couldn't think of anywhere else to raise our family! My commitment to my clients and business partners, is a daily priority, the same as the commitment to my family.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 111A West State Street, O'Fallon IL, 62269
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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