Mortgage Loan Built Around Your Situation
A mortgage is the largest single financial commitment most people will ever make, and it is also the one where a half-percent difference in rate quietly decides tens of thousands of dollars over the life of the loan. We treat it with that level of seriousness.
Our mortgage desk arranges conventional purchase loans, FHA and VA programmes for buyers with smaller deposits, jumbo loans above conforming limits, refinances and cash-out refinances, and home-equity lines secured against property you already own.
What sets our process apart is that we start with affordability rather than with a headline rate. We look at your total household position — including any investment income, existing debt and the tax consequences of the loan — before we tell you what you can comfortably borrow. Many clients end up buying less house than they expected and keeping far more of their income, which is a better outcome than a bigger mortgage they can barely service.
What You Get
- Buying a first home with a low deposit or down-payment assistance
- Refinancing to a lower rate or shorter term
- Cash-out refinancing for renovations, education or debt consolidation
- Home-equity lines of credit for staged improvement projects
- VA loans for eligible service members and veterans
- Investment property and multi-unit residential purchases
Quick Facts
- Loan types — Conventional, FHA, VA, USDA, Jumbo, HELOC
- Loan amount — $75,000 – $3,000,000
- Down payment — From 3% (programme dependent)
- Representative APR — 5.75% – 8.25% (rate and credit dependent)
- Term — 10, 15, 20 or 30 years
- Rate lock period — Up to 90 days, float-down included
- Typical close time — 28 – 35 days from accepted offer