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  • Mortgage Calculators

    We can help you determine the bottom line and make the right decision.

123 Mortgage Team Powered by MIMutual Mortgage

We are a Mortgage Banker, licensed  to do business in Illinois, Indiana, Missouri, Florida, New Jersey, and Kansas


     Benefits of Home Ownership:
  • Homeownership Builds Wealth Over Time
  • You Build Equity Every Month
  • Reap Mortgage Tax Deduction Benefits
  • Long Term, Buying Is Cheaper than Renting
  • Tax Deductions on Home Equity Lines
  • Capital Gains Exclusion


     Benefits of Refinancing:
  • Lower Monthly Mortgage Payments
  • Shorten your mortgage term
  • Lower Interest Payments
  • Build Equity Faster
  • Cash Out
  • Fixed Interest Rate

Debt Consolidation

     A debt consolidation loan can give you:
  • A lower monthly payment than your current payments
  • This allows you to have more discretionary spending money while you continue to pay your loans
  • The simplicity of one bill to track

Are you mortgage ready?

Apply now!  →

A full range of mortgage services

every product is customizable for you

Fixed rate mortgages

Fixed-rate mortgages helps our borrowers:
  • Obtain the security of a stable monthly payment throughout the life of...

FHA Streamline Financing

If you currently have a FHA loan you may be able to save money by taking advantage of the FHA Streamline Refinance Program... read more...

Cash out mortgage

Our cash-out refinance mortgage offers flexibility and variety so you can meet a diverse range of borrower needs: obtaining cash for home improvements, reducing a rate ...

Conventional Loans

Conventional mortgages are your standard traditional mortgage. They are not insured or guaranteed by the government like FHA, VA, and USDA. Fixed rates and adjustable rates are available; however ...


Whether you are looking to save money on your current mortgage, want to reduce your monthly mortgage payments, or perhaps convert some of the equity you have in your home into cash, a refinance loan may be a great option for you ...

FHA loans

FHA Loans are a great way to save money on your home purchase or refinance. Because these loans are insured through the federal government, FHA mortgages are easier to qualify for than conventional home loans ...

USDA loans

The USDA Loan program allows buyers to purchase a primary residence without a down payment while obtaining a favorable interest rate. USDA interest rates are sometimes lower than other loan programs. ...

VA Loans

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if the borrower ...


123 Mortgage Team Powered by MiMutual is a marketing sub brand of MiMutual Mortgage, a dba of Michigan Mutual, a full service, direct mortgage lender, head quartered in Southfield, Michigan. Michigan Mutual is a licensed Mortgage Banker in Missouri, Illinois, Indiana, Kansas and many other states across the United States. For more information, visit NMLS Consumer Access Org. and look up Michigan Mutual

Kevin Puntney - VP Sales

Kevin Puntney

Mid-West Sales Manager NMLS: 260687

With over 10 years of experience in the financial industry I have always taken great pride in fulfilling what I see as my obligation to my customers by providing each and every person with the best possible loan program for their situation. How do I do this? It's really simple, actually. I do it by listening and understanding each customer's personal financial situation and their future goals.

David Sharp

David Sharp

Sr. Loan Officer NMLS: 280482

Thank you for choosing 123 Mortgage Team Powered by MIMutual Mortgage, a division of Michigan Mutual Inc., located in St.Louis Missouri. I am a career loan officer that has been providing mortgage related services to homeowners and potential buyers throughout Missouri and Illinois. You may place confidence in my 11+ years of experience in the mortgage field that I will be able to provide the most beneficial and efficient products for you and your family.

Chris Cooper - Sr. LO

Chris Cooper

Sr. Loan Officer NMLS: 403454

Whether you're ready to purchase your dream home, or just refinance an existing property, I'll take the time to make sure you understand every aspect of your loan transaction, from start to finish. My attention to detail and dedication to providing the right program make me a huge asset to anyone securing mortgage financing. If you're interested in working with a licensed mortgage professional who genuinely cares, please give me the opportunity to earn your business. You'll be glad you did!.

Mortgage Calculators

find your Bottom Line

The information provided by these calculators is for illustrative purposes only and the accuracy is not guaranteed. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Recommended and trusted by borrowers like you...  

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  • The 123Mortgage Team Powered by MiMutual has been BBB Accredit since 10/28/2008

  • TDavid did an outstanding job start to finish. Knowledgable, thorough and a great communicator. David was low pressure and did a great job explaining every aspect of the process. He made our refi painless

    01/28/2015 - user0743761
  • Who every David did a very great job at providing his serves .he was very easy to work with.he carried the load with great skill, . I would turn back to in the future. Robert Deterding

    11/12/2014 - robob62deter
  • I have worked with several refinance companies and I found David Sharp to not only be helpful, but he stayed on top of everything so the process was very smooth for me. Thank you very much David for your knowledge and thoughtfulness in helping me refinance my home.

    11/11/2014 - n2sew
  • I dealt with a number of mortgage lenders over the past few months and was never really impressed with their sincerity and transparency when it came to being honest , direct , informative and professional . I had just reached the conclusion that there were no lenders out there who had concern for their client's personal welfare , only what they could get out of the transaction .Then I met Mr. Sharp . His persona was immediately recognizable and a pleasant thing to discover . He restored my faith " with some reluctance " in human nature .

    10/17/2014 - fredlee1937
  • David was very friendly and helpful. I found him online and his office is quite a way from where I live. I research EVERYTHING and I felt he was genuine and honest with me from the beginning. He responded to all my questions promptly and if he did not have an answer, he researched and got back to me quickly and didn't leave me hanging. If walked me through all the steps to refinancing my home with patience and friendliness. I would recommend David whole-heartedly!

    10/07/2014 - KaralynKH
  • Dave did a great job refinance my house HIs knowledge of the whole refinancing is outstanding they whole process was fast with very few problems so I recommend Dave to help you out with all your housing needs

    09/22/2014 - tplasmeier
  • Always had good communication. Willing to answer any questions. Explained the process every step of the way. .....................................................

    09/01/2014 - mine 1
  • David was very kind and understanding. When things didnt go ust right , he found a way to help me any way. I really appreciate all his hard work!

    08/20/2014 - pamdizrn
  • I have not applied for a loan yet, but David is the 1st person who had answers to my concerns. I made the mistake of filling out an online mortgage questionnaire and was slammed over the phone and by email. I'm so glad we connected. Thanks for your time David. John

    08/11/2014 - zuser20140603195251862
  • CDavid is a man that simply performs. He never got my hopes high that I would be able to close just to let me down. He works into the night for countless hours. Multiple time I received call for question because he was working on my file until 8,9,10,11 p.m. My credit score was in the low 600s and l thought it was a waste of time. David keeps the morale up and chunks away at the work until its done. He did come through for us when MULTIPLE others could not. I could not be happier with my experiences and if I buy another home, I know exactly who I am going to call. David Sharp with Lendsmart Mortgage brings his experience to the table along with great communication skills, and the drive to get the job done. I could not be happier!

    07/08/2014 - veryfast506
  • Excellent, expert and hard working. All the qualities you want in someone who is helping you finance a major life purchase. We gave David a time frame to work for, and although he said it would be a race to get there, he made it and we got everything we needed. It only took us three months to get our credit where we needed it, thanks to his expert handling, and find and purchase the house we wanted. He kept things honest and didn't sugar-coat, which is hard to find and much appreciated. We wanted to be kept up to date and informed as to how the process was going and he did just that. He fought to get us what we wanted as well as kept on us to get out end of things done I have already recommended him to friends and family and will continue to do so in the future.

    05/07/2014 - kristieskew
  • My sole reason for choosing David Sharp was because he noticed from my email that I went by Meg instead of Margaret and that's how he addressed me when he contacted me personally through email as I requested. Everyone else either tried to call me numerous times, which I did not want, or an immediate generic email was sent right after I put out my request to refinance. David always maintained his professionalism and his knowledge of what was happening in the process. He made this a very painless procedure and I totally appreciated that.

    03/22/2014 - megedmunds108
  • WONDERFUL EXPERIENCE...If you've ever bought a home before you know how intimidating it can be but David made it painless, sometimes they even make you feel like they are doing YOU the favor...not the case here. David was forthcoming with all info and always able to be reached with any questions or concerns I might have had. One of things I appreciated the most...day of closing, no surprises! It was what he said it was going to be and went quite smoothly. Bottom line...I would do business with David again in a heart beat and will recommend him to any one I know looking for a home loan.

    12/29/2013 - NoraMikiScheidt
  • We were looking online to refinance our home with someone. We chose David because he was the only one that did not bombard us with phone calls nonstop without leaving a message. He left a simple message stating that he would like to help us in any way he could. We were so glad we called him. This was the best experience we have ever had with any kind of loan we have gotten. David, and his company, were honest, informative, extremely professional, and very helpful. We found that this was a very unintimidating experience and felt like David was on our side and willing to find us the best deal for our needs. We would definitely use him again and will recommend him to others.

    11/12/2013 - suzannesimpson1961
  • He walked us through every step of the way. Had the answers other people weren't willing to give. Really listened to what we wanted in a refinance. Was very accessible and communication was good.

    08/11/2013 - user4183996
  • We refinanced and got a VA loan through Primesource mortgage, our loan officer was David Sharp.We are extremely satisified with this company. David Sharp is a honest man and will keep you informed through the whole process, should I ever need another loan I will not hesitate to call him. I say to anyone looking for a loan, this is your man, look no farther. My only regret was that I didn't get to meet this man and take him out for a steak dinner that he truly deserved. Thanks again David.

    06/17/2013 - user5501043
  • Informed, very responsive, & keen attention to detail, are just a few of the attributes that David displayed in my working with him. He searched & found the best interest rate available, reviewed various options, & got the job done. I will highly recommend!

    06/13/2013 - user313080
  • David was wonderful. He took on all the responsibility of my refinancing and left me worry free. He just told me what I needed to give him and once he had it, he did the rest. The communication was constant and consistent; any time I had a question or concern he was immediately at my service. He had great advice throughout and useful references. I highly recommend David Sharp. Thanks David.

    04/30/2013 - user37204110
  • David was attentive with his incredible follow up and on topm of every detail. I cannot recommend him enough the easiest refi I have ever had the pleasure of participating in. Also the other companies we worked with were very complimentary such as the title company. Thanks David for making it a pleasure!

    03/19/2013 - user4632415
  • Mr.Sharp did an excellent job with my re-fi. He delivered everything he promised, explained all details in layman's terms, and provided a very painless path through a typically hassle-filled process. I will use Mr. Sharp again in the future.

    03/09/2013 - user0577267
  • The VA loan refinance went extremely well. I provided as much documents as possible as required in a timely manner. The ability to sign documents electronically and the ability for Prime Source Lending to receive scan documents was a big plus in the whole process. The 30 day lock for a 3.25 interest was not possible do to delays unforeseen in the process. Even thorough I did not get the 3.25 interest on the 30 day lock Mr. Sharp was able to get the loan through at 3.75 and with a $3,300 credit toward closing. This was greatly appreciated. My cash out of $10,456 made it possible to pay off unsecured debts lowering my monthly payments by over $500 per month. In the end the higher interest rate makes it possible to still itemize deductions. So things worked out GREAT in the long run and in the BIG pictures of things. Mr Sharp has a lot of patience for this type of work and would recommend him to anyone needing a loan.

    03/08/2013 - user9727101
  • David works hard to provide a superior level of service and gets the job done. I have worked with him on many occasions and know he has the best interest of his customer at heart. I highly recommend calling him for your mortgage needs, new home loan or refinancing your current loan.

    03/08/2013 - user3989655


Don't hesitate to get in touch with us.
We want to discuss your borrowing needs

Our mission is to provide objective, personalized financial loan options through direct dialogue with our lending decision makers, a superior understanding of the mortgage industry and a truly unmatched passion for helping individual borrowers. With the 123 Mortgage Team Powered by MIMutual Mortgage, we make the loan process simple!

Get to know us

123 Mortgage Team Powered by MIMutual Mortgage
NMLS# 12901
Kansas MC.0025000-BR.004, Missouri 15-1788.1, Florida MLDB3307, Illinois MB6760832, Indiana 24985.

7514 Big Bend Blvd.
St. Louis, MO 63119
NMLS# 260687 NMLS# 12901

(314) 862-0123