Andy has been in the real estate and mortgage industries for nearly 20 years as a realtor and loan officer. Knowing the home buying process from both sides gives him a unique perspective on helping clients get their perfect mortgage. Andy inspires confidence with professionalism and integrity, taking the time to listen to each client and priding himself on total transparency. With expert attention to detail, his team provides a smooth process from application to closing, and Andy makes himself constantly available to answer questions or give clients a boost if they need it. When he’s not working with clients, he’s active as a basketball coach with the St. Charles Boys and Girls Club, and is also a baseball coach for a local organization. Most of Andy’s free time, however, centers on what’s most important to him—his amazing wife and four wonderful kids.

VP of Mortgage Lending

Andy House is your Cottleville local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Andy is committed to helping homeowners with home purchase loans and refinances. Contact Andy at (314) 824-1507 for more information!

Andy House at Guaranteed Rate Affinity (NMLS #307941)

Helping homebuyers in Missouri buy homes with confidence and without the stress.


Hi, I'm Korey Apple, a Regional Manager and mortgage loan officer, based in Cottleville, Missouri, helping clients navigate the home financing process with clarity and confidence.


With 25 year of experience, I specialize in working with first-time buyers, first responders, nurses, teachers, veterans, divorcees, relocation, investment properties, self-employed borrowers, and credit challenged borrowers. I offer tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like FHA, VA, Conventional, DSCR, Investment, Non-QM, Portfolio, Jumbo, Down Payment Assistance  
I'll walk you through your options and help you choose the right strategy—not just the easiest one. Come to me for an easy loan process, fast closing, the best rate, low down payment, or income questions.


I approach clients with an initial consultation to learn about your needs and step-by-step help to ensure you understand the loan process and feel comfortable.


What sets me apart:  
- Clear, honest communication—no surprises  
- Accessibility at all hours  
- Fast, reliable pre-approvals to help you win offers  
- Prompt responses and on-time closings  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way  
- Service after closing


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped over 1,000 clients throughout St. Louis city, St. Louis County, St. Charles City, St. Charles County, Ballwin, Manchester, Wildwood, Grover, Wentzville, St. Peter's, Maryland Heights, Bridgeton, Warrenton, Troy, Columbia, Lees Summit, Jefferson County, Lincoln County, Cape Girardeau, Springfield, Hillsboro, Eureka, Union, and Warren County. I'm proud to be a trusted resource for both buyers and local real estate agents.


One thing about me- my clients become friends and family for life. My service continues years after the closing and all clients receive my direct cell phone number for immediate help at any time. I help you get approved for multiple programs to ensure you have the best chance of winning an offer. When refinancing, I optimize rate savings and ensure you get the best deal possible in the current market. I look at a client's financial picture now and help you plan for what it will be in the future. We create a plan together and make the dream of homeownership come true.


When I'm not helping clients, you'll find me married as a father of 7 and coaching youth wrestling. I'm a proud NAVY dad and have prior work in law enforcement. I also enjoy muscle cars and home improvement projects.


I believe this business is about relationships—and being someone people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Regional Manager

Korey Apple is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Korey is committed to helping homeowners with home purchase loans and refinances. Contact Korey at (636) 224-3532 for more information!

Korey Apple at Guaranteed Rate Affinity (NMLS #856891)

**Your trusted mortgage lending partner for the Greater St. Louis area—serving homebuyers, refinancers, and agents with clarity, speed, and transparent guidance.**  
As a **local, experience‑driven mortgage professional**, I specialize in helping clients across St. Charles County, St. Louis County, and surrounding communities secure the right home loan with confidence. Whether you're a **first‑time buyer**, a **move‑up homeowner**, **VA‑eligible**, exploring **FHA or Jumbo options**, or looking to **refinance**, you'll get clear answers, fast communication, and a smooth, on‑time closing.  
I provide **personalized mortgage strategies**, real‑world explanations, and step‑by‑step support from pre‑approval to closing. My process is built on honesty, up‑front expectations, proactive problem solving, and local market expertise—so you can make decisions without confusion or surprises.  
**What clients value most:**  
• Fast, accurate pre‑approvals  
• Clear explanations of rates, fees, and closing costs  
• Local expertise across St. Louis & St. Charles markets  
• Proven success with first‑time buyers, VA borrowers, and complex scenarios  
• 5‑star communication from start to finish  
If you're planning to buy, refinance, or simply want straight answers from a trusted local lender, I'm here to guide you with transparency and professionalism.  
**Your mortgage. Your goals. A lending experience built around you.**

Jason Disko is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jason is committed to helping homeowners with home purchase loans and refinances. Contact Jason at (636) 627-9409 for more information!

Jason Disko at Guaranteed Rate Affinity (NMLS #2073372)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage process, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner looking to move up or refinance, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Originating Manager

Andy Ward is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Andy is committed to helping homeowners with home purchase loans and refinances. Contact Andy at (636) 326-8218 for more information!

Andy Ward at Guaranteed Rate Affinity (NMLS #603976)

With over 13 years of experience in the lending industry, Samantha Bizzle is dedicated to helping individuals and families navigate the home financing process. Whether you are a first-time homebuyer, refinancing, or looking for a personalized loan solution, Samantha provides the expert advice and a tailored approach to meet your unique needs. Committed to transparency, reliability, and exceptional customer service, Samantha will ensure that every client feels confident and informed throughout their journey to homeownership!

Sam Bizzle is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sam is committed to helping homeowners with home purchase loans and refinances. Contact Sam at (636) 489-0412 for more information!

Sam Bizzle at Guaranteed Rate Affinity (NMLS #640153)

I bring over 25 years of experience in real estate and banking to the Guaranteed Rate Affinity team. My career began during the real estate market boom of the late 1990s and early 2000s. I obtained my real estate license at the age of 19, helping numerous homeowners achieve their dream of property ownership. From the outset, I prioritized customer relationships and deepened my understanding of the real estate market, which naturally led to my transition into banking.


Throughout my career, I have held diverse positions in underwriting, processing management, and sales. My objective has always been to cultivate a comprehensive knowledge base to better serve my clients, guiding them through every facet of the home buying process with clarity and confidence. I am an avid observer of the mortgage market, staying informed about economic and societal trends that influence rate fluctuations and product developments.


Outside of my professional pursuits, my wife Molly and I are proud parents of two sets of boy/girl twins. We cherish our time together as a family and are committed to giving back to our community. In 2016, we were honored to serve as the Ambassador Family for the Missouri Chapter of March of Dimes, and I also chaired the Family Team Committee for the 2018 campaign.


I am eager to apply my extensive experience and passion for this profession to make your loan process as seamless and efficient as possible. My business primarily thrives on referrals from Financial Planners, Insurance Professionals, Realtors, as well as friends, family, and most importantly, satisfied clients. Please feel free to contact me directly at 314-780-4800.

Tom Lubiewski is your Cottleville  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Tom is committed to helping homeowners with home purchase loans and refinances. Contact Tom at (636) 333-5330 for more information!

Tom Lubiewski at Guaranteed Rate Affinity (NMLS #739314)

Cottleville

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6 Loan Officers Cottleville, MO