Whether purchasing a new home or refinancing an old one, call Don Murdoch to get the best rates from major nationwide lenders.  A mortgage broker specializing in VA and conventional loans, Don provides loans from multiple lenders and is able to offer some of the lowest rates and closing costs in Illinois.

Why Don Murdoch?

• Background
• Get Best Rates
• Fast Approval
• Free Pre-Qual
• Call To Compare
• More

Loan Programs

• VA Loans
• Fixed Rate Loans
• Adj. Rate Loans
• Int-Only Loans
• Refinances
• 1st/2nd Combos
• Lines of Credit
• FHA Loans

Mortgage Analysis

• Affordability
• Payment
• Amortization
• Refinance

Market Analysis

• Snapshot
• Commentary
• Calendar

Why Don Murdoch?   For personalized mortgage service--from initial discussion and analysis of loan programs, to working your file through underwriting, appraisal, and approval, to being there with you at the closing table with the check in hand--call Don Murdoch.  Since retiring from the Air Force in 1993, Don has become a top producer in the mortgage banking and brokering industry.  He has worked at South Side National Bank in St Louis, been Vice President of Operations of First National Funding, Inc. in St Louis, and, since 1997, has served in his present location in O'Fallon, Illinois where he is an independent broker with Phoenix Funding Corp.

Get The Best Rates   As an independent broker representing a number of major nationwide lenders, Don has great flexibility to provide the best rates and lowest closing costs.  He offers the products of many major banks, frequently at favorable discounts, but always with personalized, hands-on service from beginning to end.  He can discuss, compare and analyze different loan programs and provide the best financing options to serve your needs.  (Compare this service to talking with an 'application-taker' at most lending institutions, or a faceless person at the other end of an impersonal 800 number...)

Fast Loan Approval   A wanna-be computer geek, Don Murdoch has state-of-the-art, automated on-line systems connected to the credit bureaus, FNMA, Freddie Mac, and major nationwide lenders.  He can pull your credit, analyze your debt-to-income ratios, qualify you for a maximum loan limit, lock your interest rate--and render underwriting decisions while you wait!

Free Pre-Qualification Letter   Get a free, no-obligation, pre-qualification letter from Don Murdoch to expedite your home search/buying process.  (FYI, most Realtors won't even let you in their car until you are pre-qualified for a loan.)  Additionally, pre-qualification can work to your advantage as a buyer, because it gives you more negotiating clout when making offers to sellers.

Call To Compare   Buying a home and selecting financing are oftentimes the biggest decisions of a lifetime.  Hence, it pays to compare.  Even if you think you have everything in place, call Don Murdoch to compare interest rates and closing costs.  Don can usually meet or beat any pricing in the market--and even if he cannot, he will cheerfully thank you for calling to inquire.   ...and you will sleep better.

More Than Just A Number Cruncher   After 26 years in the Air Force--and 13 family moves--Don Murdoch knows what it means to pack up the kids and the cat and relocate to a far-off place.  He's been there.  He has bought and sold homes across the country, and helped countless military and civilian families do the same.  More than just a number crunching mortgage expert, Don understands people and the impact of moving upon their lives.  He will make it easy for you...