Joe Freeman is a Branch Manager with SUCCESS® Lending based in St. Louis, Missouri, helping first-time homebuyers, Veterans, active-duty service members, homeowners, and real estate investors navigate the mortgage process with confidence. With more than 15 years of real estate and finance experience and an MBA in Finance, Joe brings a strong financial perspective and highly communicative approach to every transaction.
Joe specializes in VA loans and previously worked at Veterans United, giving him valuable experience helping Veterans and military homebuyers understand their VA financing options. He also enjoys guiding first-time homebuyers through the financial side of homeownership, including establishing a realistic budget, reviewing their financial picture, understanding mortgage options, and preparing for the costs of buying and owning a home.
Real estate investors benefit from Joe’s extensive firsthand experience. Having personally bought and sold approximately 75 investment properties, Joe understands the considerations involved in purchasing, renovating, managing, and selling investment properties. He works with investors purchasing properties to renovate as well as those building portfolios of long-term rental properties.
Joe has also held a real estate license since 2008. While mortgage lending is his primary focus, his real estate background gives him a comprehensive understanding of the homebuying process and helps him work effectively with buyers and their real estate agents from pre-approval through closing.
Whether you’re buying your first home, using your VA loan benefit, or financing an investment property, Joe provides knowledgeable guidance, clear communication, and practical experience to help you make informed mortgage decisions.
Address:
2055 Craigshire Drive, Suite 410, Office #413, St. Louis, MO 63146
Licensed:
Purchase Calculator
Why Borrowers Choose SUCCESS® Lending
Who We Are
SUCCESS® Lending is a mortgage lender built around people, relationships, and clear communication. Our loan officers help homebuyers and homeowners understand their options, compare loan programs, and move through the mortgage process with confidence. Whether you are buying your first home, moving up, refinancing, investing, or using your home equity, we are here to help you make informed decisions.
Our Mission
Our mission is to make home financing feel more personal, transparent, and easier to understand. We take the time to learn about your goals, explain your options, and help you choose a loan strategy that fits your financial picture. From pre-approval to closing, your SUCCESS® Lending loan officer is focused on keeping you informed, prepared, and supported.
Our Promise
You deserve a mortgage experience that is clear, responsive, and centered on your goals. We promise to communicate throughout the process, answer your questions, and work with your real estate agent when applicable to help keep your loan moving forward. With SUCCESS® Lending, you have a loan officer who is committed to helping you take the next step with confidence.
Loan Programs to Fit
all Homeownership Dreams
Non-QM Loans
Alternative options. Flexible documentation.
Non-QM loans may provide alternative mortgage options for qualified borrowers who do not meet traditional loan requirements.
Down Payment Assistance
Help with upfront costs.
Down payment assistance programs may help eligible homebuyers reduce the upfront cash needed to purchase a home.
Refinance
Rework your mortgage. Reach new goals.
Refinancing may help homeowners adjust their mortgage, access home equity, lower payments, change terms, or move into a different loan program.
FHA Loans
Accessible financing. Flexible credit.
FHA loans can help make homeownership more accessible for first-time buyers and borrowers with limited down payment funds or credit challenges.
Conventional Loans
Popular option. Flexible terms.
Conventional loans offer flexibility and competitive terms for qualified homebuyers with stable income, solid credit, and funds available for a down payment.
VA Loan
Powerful benefits. Built for service members.
VA loans are available to eligible Veterans, active-duty service members, and certain spouses, offering strong benefits for qualified borrowers.
USDA Loan
Rural financing. No down payment.
USDA loans are designed to help eligible low- to moderate-income buyers purchase homes in qualifying rural and suburban areas.