We get it – you’ve never had a mortgage before. That’s why we’re letting you go at your own pace.

Looking to get a rate quote?

– Simply fill out some basic information (no personal info required) to get your personalized low rate quote.

Want to get pre-approved?

– Call us at 888-637-5813 to get started and be pre-approved in no time.

Hoping to speak with someone about the process & your loan options?

– Call us at 888-637-5813 to speak with a loan expert.

Poli Mortgage offers a number of first time home buyer loan programs with great low rates and closing cost options.

We encourage first time buyers to elicit the help of one of our highly trained and experienced mortgage professionals as early as possible. Your Poli Loan Officer will help you determine your pre-approval status, and also guide you through each step of the process, from application to closing.

"You can tell this company cares about their clients. I am now a first time home owner and have a great house thanks to the help of Poli Mortgage!"

- Zillow Review, NJ

"The service, communication, guidance, and counseling provided was above and beyond anything that I could have expected. As a first time home buyer I had no idea what to expect, but they took the time to explain the process to me step by step."

- Zillow Review, Massachusetts

"Everyone at Poli Mortgage was helpful, answered all questions and explained everything. Poli did what was best for me and my situation. Financing and re-financing was and is confusing to me. Poli helped me understand and did what was best for my personal situation."

- Customer Survey Response

"We are first time homebuyers. Huan Yu was extremely honest and willing to put in that extra effort to find the best rate for us. Her dedication and sincere attitude makes us feel that we have found the right mortgage loan originator."

- Qing-Wu

Disclaimer:
* We don’t have all your information, therefore the rate and payment results you receive may not reflect your actual situation. This form does not constitute eligibility for lending. We offer many different loan options to fit your needs. To get the most accurate results for your specific situation please call (866) 353-7654 to talk to one of our licensed mortgage consultants. Mortgage rates are subject to change at any time.
Rates and closing costs are based on the limited information input by borrower and verification of all required information is necessary. Until you lock your rate, APR and terms are subject to change, including rates, points, rebates and fees. Closing costs can vary based on county and state of residence. Total monthly payments do not include your real estate taxes, hazard insurance, or condo association fees if applicable. The quotes assume that borrower will escrow hazard insurance and real estate taxes. Third party fees (ex. Settlement agent) honored only if preferred providers are assigned by Poli Mortgage Group. Payments for optional closing items such as Owner's Title Insurance and other funds needed to close a loan such as homeowners insurance, property taxes and escrows are the full responsibility of the borrower.

Poli Mortgage Group is a Division of radius financial group inc. Corporate NMLS #1846. radius financial group inc. is an Equal Housing Lender. Poli Mortgage Group is licensed in CT, FL, ME, MA, NH. For more licensing information please visit: https://polimortgage.com/licenses/ or by visiting www.nmlsconsumeraccess.org. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs rates, terms and conditions are subject to change and are subject to borrower qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.

* This radius Pre-Approval/Credit Commitment Promise Contract ("Promise") is made and entered into, as of the date of the last signature below, by and between radius financial group inc. ("radius" or "Lender"), and the below-named Buyer and Seller. In consideration of Seller's reliance on this Promise in entering into a real estate purchase transaction with Buyer, the Parties agree as follows:

PROMISE TO SELLER. In the event that a Seller is induced to accept an offer from, and enter into a purchase and sale agreement with, a radius borrower on account of this Promise in connection either with (a) a radius Pre-Approval or (b) a radius Credit Commitment and the Buyer is unable to close on such Eligible Transaction due to a mistake made by radius (with accurate and up-to-date information) on such Pre-Approval/Credit Commitment (a "Bad Pre-Approval"), then radius shall pay Seller ten thousand dollars ($10,000), subject to the terms and conditions herein as Seller's sole remedy.

PROMISE TO BUYER. In the event that radius issues a Bad Pre-Approval to Buyer on an Eligible Transaction, radius will reimburse Buyer reliance expenses up to one thousand dollars ($1,000) for a home inspection, appraisal, or legal expenses actually paid out-of-pocket by Buyer, subject to the terms and conditions herein. This payment shall be Buyer's sole remedy.

ELIGIBLE TRANSACTION. For purposes of this Promise, an "Eligible Transaction" is a purchase money mortgage transaction for a primary residence (made on or after April 1, 2018) (not made to a radius employee or immediate family member), provided that the loan is a Conventional, USDA, VA, or FHA loan product for either (i) an existing home resale or (ii) a newly constructed home that is to be delivered and closed within ninety (90) days of the P&S.

CONDITIONS. The applicable radius Pre-Approval must not have expired prior to the date of the P&S. Offers/P&Ss cancelled due to home inspection issues or title defects are not covered under this Promise, and this Promise is void if a Bad PreApproval is the result of: (i) a change in Buyer's financial position, (ii) property specific requirements or expenses (e.g. homeowner's association dues/fees, flood insurance, or property taxes), or (iii) loan product availability or underwriting requirements, or third-party actions outside of radius' control.

FUNDS DISBURSEMENT. Any funds due and payable under this Promise will be paid if requested by Buyer or Seller in writing within 90 days of the date of an applicable Adverse Action Notice and accompanied by a fully-executed copy of this Promise. Any payments made under this Promise will be reported to the Internal Revenue Service by radius on a Form 1099-MISC or as otherwise required by then-applicable law. Please consult your tax advisor for any tax implications.