About Us

Learn about us! groundwork mortgage shares tips, home buying advice, and answers with the community

Founded in 2014, Groundwork Mortgage offers a wide range of mortgage, loan, and refinancing programs, with a specialty in new home construction transactions. We pride ourselves in being St. Louis’ hometown mortgage team, and are recognized as one of the fastest growing mortgage companies in the area. Our relationships with top builders and leading lenders allow us to deliver standout value and savings to new home purchasers.

We know that purchasing a home is a daunting task. That’s why our loan officer team works with you every step of the way, and is always available to answer your questions. Open conversation is a big part of how our business operates – providing clarity and answers to our customers is a constant priority.

The American dream of home ownership is something we passionately believe in, and making that dream a reality for our customers is a privilege we enjoy.

Take a look at the videos below to hear from our founder, Jeff Berger, as well as past customers on their experiences with Groundwork Mortgage.

Jeff speaks with FOX 2 about down payments, loan-to-value ratios, loan programs, and down payment assistance programs.

Jeff chats with FOX 2 about interest rates and the difference between locking and floating interest rates pre-closing.

Here are answers to some of the most commonly asked questions about the home loan process.

In a FOX 2 interview, Jeff clears up the confusion about what mortgage closing costs are, and explains how to use the loan estimate and closing disclosure forms to assess your mortgage costs.

Jeff sits down with FOX 2 to discuss how to prepare for home buying, selecting the right mortgage company, and the importance of pre-qualification.

Various home owners share the experiences they had working with Groundwork Mortgage.

Check out our Mortgage Mobile in action – the portable consultation space we drive to your doorstep!

On FOX 2, Jeff discusses home affordability in St. Louis, loan eligibility, and the importance of identifying the proper loan program that fits your personal needs best.

In an interview with McBride Homes, Jeff discusses Groundwork Mortgage’s company history, what sets Groundwork apart, and why it’s a great time to buy in St. Louis.

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This is an advertisement. Information provided is strictly for advertising purposes and is not a commitment to lend or to extend credit. Credit availability is subject to property and credit approval, including, without limitation, loan application, verification and underwriting, and is only available to qualified applicant borrowers. Interest rates, if shown, vary and change without notice. Annual Percentage Rate (APR) will be higher than any interest rate shown. Payment amounts, if shown, are estimates only and any amounts shown for taxes, insurance or other escrow items are only estimates and actual payment obligations vary and will be higher. Financial and loan data shown, if any, is provided strictly for scenario and illustrative purposes. Mortgage insurance may be required depending upon an applicant borrower’s actual scenario. Loan programs, availability, requirements, guidelines and credit criteria vary and change without notice. Framework Mortgage, LLC d/b/a Groundwork Mortgage (“GWM”), is a Missouri licensed equal housing mortgage originator. To help applicable authorities fight the funding of terrorism and money laundering activities, law and regulations require that financial institutions like GWM obtain, verify and record information identifying each person applying for financing. When a consumer applies for financing GWM will ask each consumer applicant their legal name, address, date of birth and other identifying information, including asking for a copy of the consumer’s driver’s license or other identifying documents. Consumer understands that if consumer is purchasing a new home from a homebuilder (“Builder”) that GWM advertises with, that the advertising business relationship is hereby fully disclosed to the consumer by GWM. Consumer further understands that consumer is NOT required to choose GWM for its mortgage origination services in order to purchase a home from a Builder nor as a condition of a Builder’s sale of a home to consumer. It is consumer’s sole choice whether to utilize GWM’s mortgage origination services. There are frequently other mortgage companies providing services similar to GWM. Consumers are encouraged to shop around to determine that they are receiving the best service and rates. GWM has a business relationship with Groundwork Insurance Services, LLC d/b/a Groundwork Insurance (“GWI”), a licensed insurance producer. GWM and GWI share common ownership by way of a parent limited liability company. Because of this relationship any referral from GWM to GWI or from GWI to GWM may provide GWM or GWI (as applicable) a financial or other benefit. The legal affiliation as between GWM and GWI is hereby fully disclosed to consumers. Consumers understand that consumers are NOT required to choose GWI for its insurance services as a condition of GWM’s mortgage origination services to consumer. There are frequently other insurance producers providing services similar to GWI. It is consumer’s sole choice whether to utilize GWI’s insurance services. Consumers are encouraged to shop around to determine that they are receiving the best service and rates. This information is not a commitment to extend consumer credit as defined by section 226.2 Regulation Z. NMLS 1211416, Missouri mortgage company licensee 21-2198. 687 Trade Center Boulevard, Suite 120, Chesterfield MO 63005 (636) 537-1005. Additional registration and licensing information available via NMLS Consumer Access (https://nmlsconsumeraccess.org/).