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Monday 8am - 6:30pm Tuesday 8am - 6:30pm Wednesday 8am - 6:30pm Thursday 8am - 6:30pm Friday 8am - 6:30pm Saturday 8am - 6:30pm Sunday 8am - 6:30pm

Heather Schulte Real Estate

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Heather Schulte Real Estate

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I am excited to be able to provide you with a wealth of valuable and unique real estate information. Real Estate Specialist

11/01/2026

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

10/27/2026

Staging Could Put More Money in Your Pocket

10/26/2026

🏡 COMING SOON | 610 Royal Pine Ct.
📍 Lake St. Louis, MO 63367

Your own backyard oasis awaits! 🌿☀️ Enjoy a private, fenced setting featuring an inground pool, hot tub, pergola, putting green, and fish pond—with inviting spaces to relax, entertain, and enjoy the outdoors.

Inside, this beautifully maintained two-story home offers:

✨ 4 bedrooms and a 3-car garage
✨ Two-story entry with front and rear staircases
✨ Open main-level layout and a cozy fireplace
✨ Updated kitchen cabinetry and backsplash
✨ Main-level office with French doors
✨ Vaulted primary suite with an updated bathroom
✨ Finished lower level with an updated dry bar and powder room
✨ New windows and front entry and sliding doors in 2024

From poolside afternoons to evenings in the hot tub, there’s so much to love about this special home!

📲 Contact Heather Schulte | Compass Realty Group for details.
636-236-1097 | HeatherSchulte.com

*Your Neighbor & Real Estate Advisor*

10/25/2026

Why More Buyers Are Turning To Adjustable-Rate Mortgages Today

What if you could save $150–$300 a month on your mortgage payment just by choosing a different type of loan?

For some homebuyers, that could be a game changer. And it's one reason adjustable-rate mortgages (ARMs) are getting more attention.

According to Bankrate, ARM rates recently came in more than a full percentage point lower than traditional fixed-rate mortgages. That's potentially hundreds of dollars in monthly savings on a median-priced home.

And buyers are taking notice. About 1 in 10 mortgage applicants are now choosing an ARM, according to the Mortgage Bankers Association.

So, what's the catch?

Unlike a fixed-rate mortgage, an ARM gives you a lower introductory rate for a set number of years. After that, your rate can adjust up or down based on market conditions.

That means you could save money upfront, but you'd also need to be comfortable with the possibility of higher payments later.

And here's something worth knowing: Today's ARMs have more borrower protections than the risky loans that made headlines during the 2008 housing crisis.

The bigger takeaway? A traditional 30-year fixed mortgage isn't your only option.
If today's rates are making your homebuying budget feel tight, there may be financing options you haven't explored yet.

Curious whether an ARM could help make your next home more affordable? Connect with a trusted lender who can run the numbers.

10/20/2026

10/18/2026

The Biggest Credit Hurdle for Renters Who Want To Buy

What's the biggest payment you make every month? If you’re a renter, it's probably your rent.

10/16/2026

Great evening out with the girls! 💕

10/14/2026

Thursday, October 15th 9:30 amd - 12:30 pm

Address

1608 S Lindbergh Boulevard
Frontenac, MO
63131

Opening Hours

Monday	8am - 6:30pm
Tuesday	8am - 6:30pm
Wednesday	8am - 6:30pm
Thursday	8am - 6:30pm
Friday	8am - 6:30pm
Saturday	8am - 6:30pm
Sunday	8am - 6:30pm

Website

https://heatherschulte.com/

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