Make Your Dream A Reality.

Whether you want to lower your monthly payments, consolidate your debt, or purchase a home - we’re here for you with options and experience. Our mortgage team is highly trained, situationally savvy, and expert at finding solutions. Fortune is your resource for mortgage service needs.

Our Options

We serve homebuyers and those looking to refinance an existing mortgage. Fortune ensures that your home loan experience is clear and simple. We bring you big-bank options with a small-bank service. Our Mortgage Loan Officers, in-house processing, and underwriting group have the experience, expertise, and knowledge to guide you through the paperwork maze while helping you bring your dreams to life. Our loans are processed and underwritten locally so that the process of taking out a mortgage is smooth.

We offer the following mortgage plans:

  • 1st Time Homebuyer Program
  • HomeOne 97% LTV conventional Loans
  • HomePossible
  • HomeReady
  • Home Renovation Loan products
  • Jumbo Loans
  • Portfolio Financing
  • United States Department of Agriculture (USDA)
  • Veterans Affairs (VA)
  • Adjustable Rate Mortgages (ARMs) in 3, 5, 7, and 10-year increments
  • Bridge Loan options *
  • Construction-to-permanent Loans
  • Conventional
  • Down Payment Assistance programs
  • Federal Housing Administration (FHA)
  • Home Equity Lines of Credit

* Fortune offers Bridge Loan options for customers who have an existing home to sell but are not ready to list their property for fear it would sell prior to the customer finding a new home.

If you want to avoid purchasing Private Mortgage Insurance (PMI), Fortune offers 1st and 2nd mortgage options.

To learn if Fortune is the right mortgage partner for you, click Our Online Application.

Completing an online application is not considered a loan approval and does not guarantee an interest rate. For detailed information on loan approvals and mortgage rates, please connect with Our Team.


Financial Calculators

We offer a variety of calculators to assist in preparation for you and your home.

Learn More


Education Center

Whether you’re a first-time homebuyer or looking to refinance your existing mortgage, Fortune will ensure that your home loan experience is clear and simple. We bring you big-bank service, with a small-bank feel.

Learn More

Meet Our Team

Dan Kraus

Vice President of Mortgage Loan Origination

Dan Kraus brings more than two decades of mortgage industry experience to his role as Vice President – Producing Sales Manager at Fortune. Dan prides himself on his solution-oriented approach, which helps him build strong and lasting relationships with clients.

Dan is a graduate of Missouri State University. He has worked in leadership roles at financial institutions across the St. Louis area, with strong experience in loans and mortgages. As a previous small business owner and lifelong St. Louis resident, Dan understands the unique needs of families and businesses in our region. Contact Dan and let him put his experience to work for you.

Contact Information

Phone: (314) 605-3579
NMLS#: 266346
Co. NMLS#: 431468

Jack Bailey

Jack Bailey

Senior Mortgage Loan Originator

I am a dedicated mortgage professional with the experience to help a wide range of people navigate the complex mortgage process. My main focus is to give all my borrowers the best possible experience with a very personal touch.



Contact Information

Phone: (314) 630-8172
NMLS#: 712695
Co. NMLS#: 431468

Joe Bullard

Joe Bullard

Senior Mortgage Loan Originator

Home Loans Made Easy.

As a mortgage professional with over 24 years of lending experience, Joe has extensive knowledge of the financing programs you need to purchase or refinance your home.  In Joe’s words, “You think about home financing a few times in your life-I think about it every single day!”

Joe is available 24 hours a day, 7 days a week to answer any of your financing questions.

Please do not hesitate to give Joe a call today to discuss your options, and help you get the best loan to fit your needs!

Contact Information

Phone: (314) 406-5110
NMLS#: 265874
Co. NMLS#: 431468

Marge Gipperich

Marge Gipperich

Senior Mortgage Loan Originator

Providing families with fair and gentle mortgage guidance is important whether it’s your first home or your last. My commitment to consistently honor my word reflects my integrity and values. I am rewarded with long lasting relationships that continue to provide me with referral business. I have more than 25 years of experience and confidently structure loans customized for each of my borrowers. I believe in educating you and then allowing you to make the right decision. Choosing the right mortgage is as important as choosing the right home! Whether you are a first-time homebuyer or an experienced pro, please allow me the opportunity to help you through the process. I have experience with Conventional, FHA, VA, USDA, and Jumbo loans. Ask me about down payment assistance and refinance opportunities, as well, so we can work together to match your mortgage with your future financial plans.  I look forward to meeting you!

Contact Information

Phone: (636) 262-8851
NMLS#: 191903
Co. NMLS#: 431468

Tina McWard

Tina McWard

Senior Mortgage Loan Originator

Whether you’re a first-time homebuyer or a returning customer, Senior Loan Mortgage Originator Tina McWard understands your needs. Tina has 18 years of mortgage loan experience and has worked with all types of homebuyers. She began her mortgage-lending career at Pulaski Bank in 2001, eventually transitioning into a role as Vice President. After working at Pulaski Bank for 11 years, Tina worked as a Senior Mortgage Banker at both First State Bank and Flat Branch Mortgage.

A recent addition to the Fortune team, Tina values the opportunity to provide solution-oriented service to referral partners and clients. Tina is glad to be a part of Fortune’s continued success, and of promoting economic growth in the St. Louis region.

Contact Information

Phone: (314)956-7825
NMLS#: 454663
Co. NMLS#: 431468

Christine Menker-Wilson

Christine Menker-Wilson

Vice President of Mortgage Loan Origination

Not every lender made it through the mortgage meltdown. But those of us who put our customers first not only survived, but thrived. To be sure, mortgage lending is a business of numbers. But the way I see it, there's an individual or family behind every application. People just like you and me who need a true advocate to guide you through all your options. To fight for your ability to own the home you really want. And above all, make sure it's a home you can comfortably afford.

Yes, a home is an investment. But more importantly, it's a place to live - and for many - to raise a family. I understand how important your home buying decision is to you. And I pledge to do everything I can to make getting a mortgage as easy as possible.

So I'll oversee every step of the process, personally. I'll make sure we meet our deadlines. I'll explain every step in plain English, so you'll always know what's happening. And I'll be totally honest with you, always.

Some banks focus more on driving mortgage volume than caring for customers. I'm here at Fortune Bank because we aren't one of them. We say we're invested in our community, and that's true. But when it comes to something as personal as buying a new home, we're also invested in you.

After all, there's a dream behind every application, and a story behind every home. Together, let's bring yours to life.

Contact Information

Cell Phone: (314) 229-7802
NMLS#: 238373
Co. NMLS#: 431468

See what Christine's clients had to say...


Christine, thank you so much for your help & guidance through our home buying experience. You were so accommodating & available for all the questions I had.  You made this a painless process!

Anonymous – Client

Christine fought hard to work with me to get loan approval. I doubt if any other loan officer would have supported me as much. I always recommend Christine to all my buyers.

Rebecca D. – Client

Christine, thank you so much for all your help with the purchase of my first home! From the first day we spoke I felt so comfortable with you and knew I could trust you completely. Thank you for fighting for me and answering all my questions!

Anonymous – Client

Will recommend 1000%. We were out of state and did everything via electronic communication. Awesome!!!

Joshua W. - Client

Christine, thank you so much for taking such great care of Alex and doing so much to move us successfully toward closing (woo hoo!). I can’t tell you how much I enjoy working with you. I look forward to closing many more with you in the future.

Anonymous – Realtor

Click here for more testimonials

Christine is amazing.  The only person I will trust with my mortgage.

Maggie B. – Client

Quite possibly the most postive, relaxed experience we have had with a home mortgage.  From the very first call, we could tell Christine was incredibly competent and knowledgeable, not to mention friendly and responsive.  I highly recommend her and her team for your mortgage needs!

Karin O. – Client

Everything went as smooth as possible which was a completely different experience from our last home purchase.  Christine was always available to answer questions!

Kaye M. – Client

Christine Menker-Wilson was wonderful!  She is professional, insightful, full of knowledge, and very kind.  We appreciate all that you have done for us.  Thank you for your outstanding service!

Gerren B. – Client

I was so impressed with your attentiveness to every detail from our first conversation to our final closing.  Your follow up and professionalism is self-evident and I would recommend you to any of my friends, family, or business contacts who need a loan.

I appreciate all your efforts and the timeliness of the way you do business and your personable business style as well.  It was a privilege working with you and I wanted to thank you for your dedicated efforts and promptness in getting my loan approved in order that I could buy a condo.

Best of luck to you.  I hope our paths meet again.  Thanks again!

Jeanne S. – Client

Christine knows exactly what she is doing.  If you need someone to work fast and efficient-it’s her.  I used her twice and was always pleasantly surprised with price and service.

David D.   Client

We had a complex situation with both the financing and the seller, and Christine was absolutely wonderful to work with.

Adrej M. – Client

Christine is amazing at what she does and cares about each transaction.

Colleen M. – Client

As a realtor, I expect a lot.  Christine met and exceeded all my expectations!

Scott G. – Client

Christine was so helpful!!  Very professional and easy to talk to.

Mollie F. – Client

She was amazingly helpful and generous with her knowledge.

Becky C. – Client

She was great.  Everything was very smooth and well communicated.

Daniel B. – Client

Phenomenal service.  Very helpful throughout the process.  Super efficient - A++ in overall experience.

Laura P. – Client

Christine was fantastic!  She's friendly, knowledgeable, and patient.  Calls and emails were returned promptly.  Five stars!

Steve S. – Client

Christine is awesome!  Super professional and great communication.

Pam G. – Client

Christine was so helpful through the whole process.

Shannon O. – Client

Christine was always responsive and understanding of questions, detailed clarification.

Anonymous – Client

I felt very comfortable and was able to trust my process of buying my house.

Oleg A. – Client

Christine was awesome! Super professional and great communication.

Pamela S. – Client

Christine is amazing at what she does and cares about each transaction.

Colleen M-P. – Realtor

Christine was very responsive to our questions and concerns. She helped us feel prepared during the entire process.

Anonymous – Client

Christine was amazingly helpful and generous with her knowledge.

Becky C. – Client

Christine was so helpful!! She was very professional and easy to talk too.

Mollie F. – Client

As a realtor, I expect a lot. Christine met and exceeded all my expectations!

Scott G. – Realtor

Christine made the whole process very clear and easy to navigate. It was a big relief to work with her.

Derek & Treena B. – Clients

Christine was great, everything was very smooth and well communicated.

Anonymous – Client

Phenomenal service. Christine was very helpful throughout the process. Super-efficient, A++ in overall experience!

Laura P. – Client

Christine was fantastic! She’s friendly, knowledgeable and patient. Calls and emails were returned promptly. Five Stars!

Steve S. – Client

Excellent, Excellent, Excellent!!

Gerren & Annette B. – Clients

Christine was excellent. Gave me all my options and I was very happy.

Holly H. – Realtor

This was the first time buying on my own and Christine held my hand the entire way.

Susan T. – Client

Christine was amazing, she worked very hard to get this done!

Kent H. – Client

Christine is fantastic! She was extremely helpful and patient while guiding us to make and educated decision.

Mike M. – Client

Very professional and friendly. Always answered our questions no matter what time!!

Dennis & Madelyn F. – Clients

Thank you for your help step by step.

Anonymous – Client

Christine has been my loan officer since I purchased my first home. I trust her implicitly and she is Awesome!!

Todd B. – Client

I have and will continue to recommend Christine to clients, friends and family. She always does an Excellent Job!

Tina B. – Realtor & Client

Absolutely Fantastic!!

Cecilia H. – Client

Christine is very nice and a great communicator.

Kevin O. – Client

Christine went above and beyond to help us along!

Brad & Sandy B. – Clients

Christine was great to work with.

Anonymous – Client

She was very knowledgeable, helpful, kind and wonderful.

Anonymous – Client

Christine was very helpful throughout the whole process.

David P. – Client

Christine helped streamline the process for obtaining a mortgage.  Excellent communication!

Anonymous – Client

Christine was wonderful and the next time we do anything mortgage related, we will start with Christine.

Charlie & Nicole G. – Clients

Christine is the best loan officer I’ve ever worked with!

Sarah D. – Realtor & Client

Christine was easy to talk to and did not make me feel stupid.

Megan L. – Client

Great at what she does! She’s very helpful and considerate of buyers needs and wants.

Summer Q. – Client

Very helpful, always returned calls and responded to email questions.

Anonymous – Client

Very helpful, willing to listen, extremely responsive, overall nice to deal with.

Anonymous – Client

Christine knows what she is doing! That’s good for us.

Diane V. & Curtis M. – Clients

She was great to work with!

Anonymous – Past Client

Very knowledgeable, professional, helpful and friendly.

Kate E. – Client

Christine was very knowledgeable and was patient with all our questions!

Courtney & Kevin R. – Clients

Christine was very knowledgeable and helpful.

Roy & Renee K. – Clients

You saved the day for me and came through!

Scott R. – Client

Christine, it was a pleasure working with you over the last couple months. Thank you for your patience in guiding us “newbies” through the process of buying our first home. We will be sure to recommend you whenever we can.

Anonymous – Client

Christine, thank you so much for all your help and guidance during the closing process for our new house. We appreciate your patience and your ability to keep things easy and smooth!

Anonymous – Client

Christine was the best person I dealt with while buying my house. She could not have been any better.

Anthony G. – Client

Christine made the loan process as easy and efficient as could be. I will definitely recommend her to friends.

Kelley L. – Client

Christine was a pleasure to work with! She made herself available for all my questions before, during and after closing.

Jodi T. – Client

Great Job! Made the whole process smooth and simple.

Anonymous – Client

Very easy to work with, very professional and courteous.

Melissa B. – Client

Very nice and always informative as to the next steps of the process.

Kate P. – Client

Christine is always great to work with. Giving me all my options.

Anonymous – Client

Christine was outstanding to work with and made the process stress free. We appreciated all her help very much!

Ryan & Callie P. – Clients

Christine is outstanding in all aspects!

Scott R. – Client

Christine broke things down for me to help me understand all my options.

Angie M. – Client

Christine helped me beginning three years ago getting my balances down and prepping for the day that I could finally refi.

Laura L. – Client

Jim Owens

Jim Owens

Senior Mortgage Loan Originator

I’ve worked with folks just like you since 1998, helping people create a path to affordable home ownership. I’m particularly proud of listening to my client’s needs and helping them find the right solution for each situation. I have developed a strong referral base of past clients, realtors, and financial planners, where each relationship points him to the next relationship. I hold degrees from both Southern Illinois University-Carbondale and Southern Illinois University-Edwardsville. I am a member of the Crestwood-Sunset Hills Chamber of Commerce where I serve on the Board of Directors and the Ambassadors Committee. St. Louis is my home and my wife and I raised three kids here between working, playing music, or playing hockey and golf. I welcome the chance to connect with you and support your mortgage needs in a no-nonsense, practical, and friendly way. I look forward to hearing from you.

Contact Information

Phone: 314-565-6101
NMLS#: 224680

Nick Scheitlin

Nick Scheitlin

Senior Mortgage Loan Originator

As a Senior Mortgage Banker with Fortune, I offer over 8 years of mortgage lending experience. I also have been a CPA and partner for over 10 years in a public accounting firm. I understand the importance of customer service, meeting deadlines, and communication. My main focus is to align your mortgage with your personal financial objectives, whether on a home purchase or home refinance. Having lived in Missouri all my life I look forward to building new financial relationships and being your trusted adviser for life. To add, I graduated with a Business and Accounting degree and have a MBA from Lindenwood University and also achieved my CPA State License. I look forward to being your trusted Lender!

Contact Information

Phone: 314-651-5392
NMLS#: 311540

See what Nick's clients had to say...


Nick helped me refinance the house I owned. I have recommended Nick to others and would suggest anyone giving Nick a chance to help you out. You will not regret it. Nick has the knowledge and is willing to share what he knows to the benefit of others.

We have worked with Nick on refinancing our mortgage on a few occasions and wouldn't think of going with anyone else. He is very professional, responsible and trustworthy and always made the process an enjoyable one. We are saving hundreds every month now and much more in interest over the term of our mortgage. I recommend Nick Scheitlin to all of my friends and family and do so with complete confidence.

The entire process was painless and seamless. Nick adds the financial insight necessary, when making a big personal finance decision. I would certainly recommend Nick Scheitlin to all my friends and family.

I cannot express my gratitude for your hard work pushing this all through to the end for us! I was a very discouraged home shopper until I came in contact with you. You turned it around and with your help I was able to buy the home I had been searching for! I am very excited to call this place my own! I will certainly pass your information along to all of my friends and family searching for homes in our area or needing to refinance.

Thanks so much Nick. Everything went smoothly and quickly. Closing was less than 20 minutes. Thanks for making this process so easy and getting my mortgage lowered! It is a huge relief! I will be sure to pass on your info if I hear of anyone ready to refinance.


Trina Wright

Trina Wright

Senior Mortgage Loan Originator

Trina Wright’s career in mortgage lending spans 24 years. She prides herself on building meaningful relationships with her customers and taking care of their needs in an honest and thorough way. Because of this, Trina has customers who have trusted her for 20 years, and those meaningful relationships have allowed her to thrive in the mortgage industry.

Prior to joining the Fortune team as a Senior Mortgage Loan Originator, Trina worked as a Loan Originator for Flat Branch Mortgage, First State Bank, and Pulaski Bank. Trina aspires to make sure that Fortune’s mortgage division offers customers both the best mortgages and a gratifying home loan experience.

Contact Information

Phone: (314) 814-1389
NMLS#: 454679
Co. NMLS#: 431468