St. Charles County Breweries

In St. Charles County, Missouri there are many fine breweries crafting their unique take on beer, the oldest recipe in the world. In fact, due to a growing number of elite microbreweries, the St. Louis area has become a major destination for beer lovers nationwide. But we don’t think you need to leave St. Charles County for an amazing microbrew tasting experience. Check out the following St. Charles County area breweries.

Exit 6 Brewery

https://www.exit6brewery.com 

5055 Highway N, Suite 113, Cottleville, MO 63304
Exit 6 Brewery touts that they are “St Charles County’s first nano-brewery”. In addition to five beers made in-house, they offer 70 different craft beers with 23 beers on tap. The beer selection includes high-flavor, unique and crafty brews reflecting owners who are true beer nerds. Exit 6 Brewery does not have a kitchen but you can bring your own food or have food delivered to the brewpub. Check them out in Cottleville any day of the week or catch their podcast The Brewsroom.

Friendship Brewing Company

https://www.friendshipbrewco.com
100 East Pitman Ave, Wentzville, MO
Six beer-loving friends started Friendship Brewing Company in Wentzville. Together they built their brewery and craft creative beers. The brewpub often gets compliments on service and atmosphere that includes a pet-friendly outdoor patio space. Food options include appetizers, street tacos and sandwiches, some of which integrate Friendship beer. Events at Friendship include trivia nights, paint nights, bands, special beer and food tastings, Sunday Bloody Mary bar and more. The next time you’re in Wentzville give it a try.

Good News Brewery

https://www.goodnewsbrewing.com
330 Sonderen, O'Fallon, Missouri
Sharing the good news through Bible study is what brought Matt Fair and Dan Tripp together. Along with friend Josh Brewer, they created Good News Brewing Company in O’Fallon. They offer some great examples of traditional beers as well as twists on the classics. Enjoy a wood fired pizza and a salad with your beer. Also you can reserve the patio for your next private party.

Third Wheel Brewing

http://www.thirdwheelbrewing.com/home
4008 N. Service Rd, St. Peters, MO 63376
At Third Wheel Brewing in St. Peters you’ll find a range of beer styles brewed on site by head brewer Abbey Spencer. The helpful staff can help you select your new favorite beer. They offer a full menu of items designed to be paired with beer. Check out their events page to find events like Beer Bingo, Burger Battles, Bluegrass Brunch, bands and special beer releases. Bring the family because this pub is all ages.

Two Plumbers Brewery + Arcade

https://twoplumbers.com
745 Friedens Road, St. Charles, MO 63303
You might be surprised to learn that Two Plumbers Brewery was not founded by plumbers but by two childhood friends, a microbiologist and an animator, that love making beer. The plumbers are actually a reference to characters in a classic video game. In March 2017 Two Plumbers Brewery + Arcade was opened in an accessible strip mall location in St. Charles. Part brewery and part arcade, this 21 and over brewpub offers a bit of a departure from your usual brewery. In addition to their own beers they have several rotating taps serving beers from other Missouri breweries. They offer Dan O's pizza or you can bring your own food.

 

 

Shortleaf Brewing

https://www.shortleafbeer.com/
7434 Village Center Dr, O'Fallon, MO 63368

Shortleaf Brewing is a family-owned and operated craft brewery with two locations. The brew pub in Winghaven (O'Fallon), MO and also a  Microbrewery in Camdenton, MO include state-of-the-art facilities that implement eco-friendly technology for brewing the highest quality beers possible. Visit Shortleaf for great brews and food!

 

Crossroads Brewery

https://crossroadsbrewery.net/
9995 Winghaven Blvd., O'Fallon, MO

At Crossroads Brewery in O’Fallon, Missouri, the beers are handcrafted works of delicious liquid art. They create small batches with big flavors by selecting the finest ingredients for every batch. They regularly release new beers, including some experimental batches. They are worth visiting often to try new releases of beers.

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From the ancient Egyptians to modern times, beer continues to be an important consumable in our culture and economy. We’ve seen how a brewery can be an amenity to a community and we understand the importance of community establishments that attract people and bolster home values. Thinking of moving to a new neighborhood in St. Charles County? Contact The Boehmer Team.

Originally published October 8, 2018. Updated April 5, 2024.

References: https://beerandbrewing.com/dictionary/UqfrcsPoAI/the-history-of-beer/

Seasonal Opportunities in New Construction

Builders create more than just new homes; they create neighborhoods and communities.  Many builders construct “inventory homes” that allow a buyer to purchase a brand new home without the wait time to build.  When the end of the calendar year comes near, many builders increase their supply of inventory to accommodate the numerous homebuyers looking to get settled into their new home before year’s end.  This creates the perfect opportunity to secure a new home and  take advantage of pricing incentives that the builder may be offering.

 

The Boehmer Team has worked closely with multiple homebuilders in St. Louis County and St. Charles County, Missouri for years. We have found that by taking advantage of the builders advertised opportunities, the potential to save some money as well as secure a new home by the end of the year is a win-win for both the buyer and the seller.

Another good reason to buy a new construction inventory home according to Mark Murphy from Bridgewater Community Homes is, “Many of our buyers are putting their existing home on the market and selling right away. Buying our Jump Start home (a completed new construction home) removes the need and expense of a double move and/or putting all possessions into storage for a few months.”

A huge advantage in purchasing a new construction inventory home, other than the fact it is ready to move in and enjoy, is that they often include the most popular upgrades and desirable features that buyers want, without the stress of having to make a lot of decisions.

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Have you been imagining yourself in a brand new home? The Boehmer Team can help make it possible.  We have connections with multiple builders, know the ins and outs of the entire new home sales process and have other resources such as mortgage and title companies that can assist.  Check out www.BuyNewAndNow.com to see our current list of new construction inventory homes waiting for you to move in.

 

 

Mortgage Loan Products For Buying A Home

There are great programs to help those who want to buy a home get a mortgage. Having trouble putting together the down payment? There are also programs available to assist with down payments. And if you are a veteran, physician, physician’s assistant, nurse practitioner, RN, pharmacist, veterinarian, dentist, dental surgeon, CPA or attorney there are even more options available with Professional Loan Programs. Below are some of the more popular mortgage products currently available.

 

Basic Federal Housing Administration (FHA) Loans

Not only are FHA loans great for first-time homebuyers they are also available for existing homeowners. Interest rates are typically the same as conventional loans, making FHA loans a very affordable option, especially for borrowers without the ability to make a large down payment. Another feature of FHA loans is that they are assumable. This means when a seller with an FHA loan sells the property, the loan and its financing terms (interest rate) can be transferred to the new buyer - a feature that will certainly make a property more intriguing in times of rising interest rates.

THE BENEFITS OF AN FHA LOAN

• As little as 3.5% down payment

• Down payment gift allowance


• No maximum income restrictions

• Flexible credit requirements

• Transferable interest rates


• FHA is more forgiven than a conventional loan on bankruptcy


• FHA is more forgiven than a conventional loan on foreclosure


• Loan to value up to 96.5%


• Higher debt to income ratios (over 50% with AUs approval) with compensating factors


• Credit scores down to 600


• Better interest rates than conventional if credit history is not the best

• gift funds accepted


• Down payment assistance accepted

BASIC LOAN AMOUNTS

• $472,030 - single-family home (Based on most St. Louis metro areas. Loan Amounts may vary by home location.)

ELIGIBLE BORROWERS

• Borrowers must be occupants. Non-occupant co-borrowers allowed

• Typical qualifying ratios: Housing - 31%, Total Debt - 43%

• Permanent resident aliens


• Non-permanent resident aliens

95% Conventional Loan

The 95% Conventional Loan is the best alternative to FHA financing. In some cases, the ENTIRE 5% Down Payment is allowed to be a Gift.

•   No Income Limits 


•   No Higher Rate 


•   No Homeownership Course 


•   Mortgage Insurance may drop at 78% 
Loan to Value (LTV) 


Gift funds are allowed for entire down payment if:

• DTI (Debt to Income) less than 50%


3% Down Loan     

3% down purchase loan is part of an ongoing effort to expand access to credit for creditworthy borrowers and support sustainable homeownership.

Guidelines:

• Standard Purchase Transactions
• If one of the borrowers is a first-time home buyer (FTHB/Not owned a home in the past three years), and their income is below 80% AMI, there is an opportunity for reduced rates and mortgage insurance
• All loans must be fixed rate
• 1 unit principal residence
• 35% mortgage insurance
• Does not cover manufactured homes

USDA 100% Financing Loan

Those looking to occupy residence in some areas may qualify for a USDA Loan. In many cases the property only has to be located outside a metropolitan area. Along with location, a few other items for eligibility criteria include household income, household dependents and credit history. These guidelines are detailed and may differ from county to county.  

Guidelines:

• 100% financing available
• Up to 102% financing (with funding fee)
• No maximum seller concessions
• Gifts funds allowed for purchase loans
• Primary residence only
• Closing costs may be financed up to 100% of appraised value
• No county loan limits
• New and existing homes are eligible
• No in-ground pools
• No manufactured homes
• Minimum credit score of 680
• New funding fee 0.35% as of 9/1/2023

100% Financing Loans St. Louis Metro Area

Household Income Limits (As of 9/1/2023)

1-4 Persons : $115,000

5-8 Persons: $152,000

Bridge Loan

Bridge financing is for prospective borrowers who want to use the lendable equity in their existing residence as a down payment for the purchase of another property. A bridge loan program first encompasses a lien on the borrower’s existing primary residence to be sold. Then a separate, permanent loan will be made on the property to be purchased.

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Loan information provided by Jeff Griege, Vice President at Paramount Bank. All loans are subject to updated guidelines by lenders and qualification for approval. Check with your preferred lender for their latest mortgage program guidelines and qualifications.  

 

For more information on types of mortgage products, obtaining a mortgage, receiving down payment assistance or to be put in touch with a qualified reputable lender, contact The Boehmer Team. We can recommend experienced mortgage loan providers in the St. Louis or St. Charles County areas of Missouri. 

 

St. Charles County Late Summer Events 2019

August isn’t just about back to school. After all, it’s still summer! In fact, summer doesn’t officially end until September 22nd. So let’s get out there and take advantage of what’s left of summer. Here’s a list of summer events in the St. Charles County area through the official end of summer.

Summer Events in St. Charles County

New Town Concert Series - El Scorcho (rock)
August 3rd at 7pm

3312 Rue Royale, Saint Charles, MO 63301

Please come and enjoy El Scorcho playing your favorite old school rock hits on Saturday, August 3rd, 2019 - from 7:00 - 10:00 PM at the New Town Amphitheater. Free event.

Statehood Day Celebration for Missouri
August 10 at 10am

200 S. Main St., Saint Charles, MO 63301

It's Missouri's birthday and you're invited! Come help celebrate the 198th anniversary of Missouri becoming the 24th state, at the First Missouri State Capitol State Historic Site. Make sure you don't miss the birthday cake and refreshing lemonade. Free event.

Free Summer Concerts - St. Charles Big Band

August 11 at 7:30pm

Frontier Park, 500 South Riverside Drive, Saint Charles, MO

The August 11 Big Band concert will feature music from the 50’s thru the 80’s. From Rock & Roll to Disco to Rhythm & Blues. Free event.

Art Exhibit - Architectonic

July 26 – August 13, Tuesday - Saturday: 10am-5pm, Wednesdays: 10am-9pm, Sunday: 12-4pm

Foundry Art Center, 520 North Main Street, Saint Charles, MO

This all-media exhibition will highlight works that are inspired by architecture or that incorporate architectural elements. Works may depict actual architectural forms, or may approach the theme less literally by incorporating grids or other structural lines. The visual language of drafting, such as plans, elevations, and cross-sections, may also be utilized in the artwork. Free event.

Beale Street Concert Series

August 14 at 6pm

1650 Beale St., Saint Charles, MO 63301

Free Beale Street Concert Series the 2nd Wednesday of each month

May-October! Food and beverages provided by the wonderful

restaurants at Streets of St. Charles! Bring a lawn chair and enjoy the show!

Festival of the Little Hills

August 16

230 S. Main St., Saint Charles, MO 63301

The Festival of the Little Hills is the Midwest’s Premier Arts and Craft Show. Coordinated by the not-for-profit organization of the same name, Fete Des Petite Cotes is named in honor of the settlement (now known as St. Charles) founded by the French-Canadian explorer Louis Blanchette in 1769. Free event.

Music on Main - BMB Band

August 21 at 5pm

Downtown Historic District, 100 & 200 blocks of North Main Street, Saint Charles, MO

Free event. Bring lawn chairs. Food and drinks available for purchase.

Race for the Rivers Festival

August 24 at 11:00am

Frontier Park, 500 South Riverside Drive, Saint Charles, MO

Join us at the finish line in Frontier Park from 11 am to 5 pm for great food, live music and fun activities that highlight easy ways to encourage and enjoy healthy rivers. Free event.

Riverfest

August 30 (5:00PM - 11:00PM), 31 (12:00PM - 11:00PM)

Frontier Park, 222 S. Riverside Dr., Saint Charles, MO

A two day celebration in 2019 includes live music, carnival, food & craft vendors, and fireworks over the river. Free event.

Mosaics Fine Art Festival

September 13 at 7:30pm

Historic Saint Charles Downtown District, Saint Charles, MO

Families, art collectors, and aspiring artists seeking a wonderful weekend of arts and culture come to the Mosaics Fine Art Festival. This year offers an outstanding display of art appreciation featuring nearly 100 juried selected artists, entertainment, children’s art education activities, and enjoyment. Free event.

Music on Main - Jimmy & the Chets

September 18 at 5pm

Downtown Historic District, 100 & 200 blocks of North Main Street, Saint Charles, MO

Free event. Bring lawn chairs. Food and drinks available for purchase.

Do you know of an upcoming event this summer that we missed? Let us know and we’ll add it to this list. We love to get out and enjoy all that St. Charles County has to offer.

If your main summer event is buying or selling a home, contact The Boehmer Team for award winning real estate services. Or check out our other blog articles full of real estate advice to help you make the best informed decisions about real estate.